Georgia Payday Loans and Lenders (GA)

Georgia is one of the nineteen states that does not allow payday lending, but that does not mean that we cannot help you with your financial situation here at Payday Today.  Although Georgia residents do not qualify for our quick and easy payday loans, there are still a variety of other ways we can help you make it to your next paycheck.  Check out our Payday Loan Alternatives for more information.

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Alternatives to Georgia Payday Lending

Since Payday lending is not legal in Georgia, Georgians will be interested in some of the payday loan alternatives we offer at Payday Today.  Some of our more popular products are credit cards, personal loans, and debt consolidation.  We also offer credit counseling , which has proven to be of interest to our clients.

Georgia Payday Lending Laws

In April 2004, Georgia became one of the nineteen states that has abolished payday lending.  Violating Georgia’s law that states charging more than 60% interest on loans under $3,000 is a felony.  A company called EZ Cash, Inc. has recently been caught charging customers the equivalent of 600% simple interest rates.  They were charging $25 per every $100 loaned over a fifteen-day period.  They were also trying to hide their practices by charging check-cashing fees, but they were caught, and charged.

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Number of Payday Lenders in Georgia

There are no legal Payday Lenders operating in the state of Georgia.

Georgia Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate in Georgia was 5.0 as of January 2006.  This rate is only a 0.3 drop from January 2005’s rate.  The lowest the unemployment rate has been in Georgia has been in the last ten years is 3.5.

The number of unemployed people in Georgia in January 2006 was 230,195.

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