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Compare your loan options in Atlanta, Georgia

Read about regulations and find a lender in A-Town.

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Aliyyah Camp

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Editor's choice: OppLoans Installment Loans

OppLoans Installment Loans logo
  • Easy online application
  • Quick approval
  • Long repayment terms
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1 - 0 of 0
Updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Go to siteMore Info
EarnIn
Finder Score: 4.7 / 5: ★★★★★
EarnIn
Up to $750 per pay period, but only $100 per day
1 to 3 business days or instant for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Go to siteMore Info
Cleo
Finder Score: 4.1 / 5: ★★★★★
Cleo
Up to $250
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Go to siteMore Info
Sorbet
Not rated yet
Sorbet
Based on the amount of accrued PTO
Up to 5 business days for approval and 5 business days for funding, or instant for a fee
18 years of age, W-2 employee, US citizen or permanent resident, employer must carry over PTO and payout upon termination
Tap your unused PTO for a cash advance so you can access that money early. Available in : CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.
Go to siteMore Info
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
Go to site
Fig Loans Installment Loans
$50 to $100, varies by state
As soon as the same business day
3 months of direct deposits, $1400 per month income, positive bank account balance
Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.
Go to siteMore Info
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We compare the following short-term lenders

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If you’re short on cash, you may be considering a short-term loan. Before you borrow, read up on the laws and the alternatives to find the best option.

No, but you could get other types of short-term loans. Georgia payday laws concern the lending of small loans in Atlanta. According to Georgia Codes 16-17-1 et seq. (crimes and offenses), 7-3-14 et seq. (industrial loans) and 80 3-1.02(7) (company rules and regulations), providing payday loans to residents of this state is illegal. In 2004, the state passed a resolution that made payday lending a felony. These laws apply to both storefront and online lenders.

State laws place a small loan annual percentage rate (APR) cap of 16%. Since this is considerably lower than the triple digit APRs that payday lenders usually charge, getting legal payday loans in Atlanta, GA is not really possible. Many borrowers turn to installment loans instead.

Compare short-term loan providers

Installment loans allow you to pay back your loan in fixed payments over a set period of time. There are lenders that offer this type of loan to borrowers with less-than-stellar credit, as long as they meet other eligibility criteria. Installment loans are similar to payday loans in that they have very high interest rates, and therefore risk to consider before you apply.

1 - 0 of 0
Updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Go to siteMore Info
EarnIn
Finder Score: 4.7 / 5: ★★★★★
EarnIn
Up to $750 per pay period, but only $100 per day
1 to 3 business days or instant for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Go to siteMore Info
Cleo
Finder Score: 4.1 / 5: ★★★★★
Cleo
Up to $250
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Go to siteMore Info
Sorbet
Not rated yet
Sorbet
Based on the amount of accrued PTO
Up to 5 business days for approval and 5 business days for funding, or instant for a fee
18 years of age, W-2 employee, US citizen or permanent resident, employer must carry over PTO and payout upon termination
Tap your unused PTO for a cash advance so you can access that money early. Available in : CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.
Go to siteMore Info
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
Go to site
Fig Loans Installment Loans
$50 to $100, varies by state
As soon as the same business day
3 months of direct deposits, $1400 per month income, positive bank account balance
Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.
Go to siteMore Info
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What other borrowing options do I have in Atlanta?

  • Installment loans. You can get an installment loan if you have poor credit history, provided you have a regular source of income. You’ll have to meet some other basic eligibility criteria as well. In order to repay the loan you need to make periodical payments according to a predetermined payment plan.
  • Auto title loans. Getting an auto title loan requires that you use the title of your automobile as collateral to secure the loan. How much you can borrow largely depends on the value of your automobile. Since you’re providing security, you can apply with poor creditworthiness.
  • Credit cards. If you’re planning on making a purchase, you could look into a credit card provider that accepts applicants with low credit scores. Some have an introductory period with low or no-interest.
  • Tribal loans. You may still have the option of getting a payday loan if you go through a tribal lender. Since these lenders are based on tribal land, they are considered a sovereign entity and are able to abide by their own laws.

8 payday loan alternatives to consider if you need cash

What if I can’t get a loan or credit card?

If traditional forms of credit haven’t worked out, or they aren’t right for you, there are some other options. Here are a few you can look into:

  • Borrow from people you know. You may be able to request an advance from your employer, or get a loan from friends or family.
  • Talk with community organizations. Non-profit financial cooperatives and community credit unions may have options for small-amount loans if you meet their eligibility criteria.
  • Talk to your creditors. Ask about arranging a payment plan or getting more time.
  • Local social services. Look into public services for assistance with heating costs, food and housing.
  • Pick up side work. Looking for side jobs, selling things online with a service like eBay or LetGo, or signing up to drive with a company like Uber are some of the many ways people get extra cash when they’re in a bind. It’s a great alternative to getting a loan or credit card because there’s nothing to repay.

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Aliyyah Camp is a SEO content strategist and former publisher at Finder, specializing in consumer and business lending. Her writing and analysis has been featured in CentSai, the Dough Roller and the Chicago Tribune. She holds a BA in communication from the University of Pennsylvania. See full bio

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