Cash Advance and Payday Loans in Atlanta, GA

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The lending space in Atlanta, GA., is under state and city regulations. As a result, payday loan and cash advance lenders must adhere to these guidelines. We’ve analyzed the space to help you get fast access to cash so you can deal with the unforeseen financial crisis.

Residents in Atlanta, GA, may not have the funds to address an unexpected expense. As a result, they may turn to alternative sources for quick financing. Although payday loans are prohibited in the state, consumers may still be able to obtain installment and title loans. Before requesting a loan, consider the following state and city regulations.

Regulations of Payday Loans in Atlanta, GA

The Department of Banking and Finance regulates lending in Atlanta, GA. The Georgia Payday Lending Act of 2004 instituted strict regulations regarding payday loans and cash advances in the state.

As a result, payday loans and cash advances have effectively been prohibited in Atlanta, GA. However, consumers seeking emergency financing may still find funding options with installment loans.

Alternatives to Taking out Payday Loans in Atlanta

If you’re an Atlanta resident faced with a financial emergency, you still may have options to find financing aside from a payday loan. Here are some alternatives to payday loans:

  • Bank loans – Traditional bank loans may have drawbacks, but if you have favorable credit, you may be able to secure financing with a reasonable interest rate. However, keep in mind that traditional loans typically take longer to process and have stricter eligibility requirements.
  • Credit cards – Although this should not be used as a long-term method, low APR or 0% interest credit cards can come in handy during an emergency. If you have exhausted all other resources, consider using a credit card to tide you over. But make sure to make the minimum payment on time or fully pay off the balance as soon as possible to avoid falling into a cycle of debt.
  • Government assistance – Atlanta residents who are struggling to pay for utility bills or other necessities may qualify for government assistance programs. These state-funded welfare programs can help cover utility bills, rent, and even groceries.

Installment Loans in Atlanta

Nevertheless, some Atlanta residents may still opt for an installment loan to cover emergency expenses. Lenders in Atlanta may offer quick and easy installment financing, which you can use to cover rent and other bills.

Like payday loans, installment loans are also heavily regulated in Atlanta. However, installment loans are not prohibited, and residents can still use them during financial emergencies.

Consumers may request up to $3,000 for up to 36 months. The APR is capped at 10%. Atlanta lenders may also charge additional fees, including origination and maintenance fees. The origination fee may be 8% of the first $600 and 4% of the amount over $600. The maintenance fee may be $3 per month. Lastly, if the consumer submits a late payment, they may be charged a total of $10 or 5¢ per $1.

Installment loans are typically taken over a longer-term and are repaid in equal monthly payments. As such, before requesting an installment loan, make sure to assess your finances to determine whether you can make the repayments. Failure to make prompt payments can result in damage to your credit score.

Advantages of Installment Loans in Atlanta, GA

Here are some of the advantages that installment loans offer:

  • Flexible. Although all lenders check credit scores, not all consumers in Atlanta will have outstanding credit scores. However, some payday lenders may still be willing to work with consumers who have damaged credit scores. These financers may consider income when determining eligibility.
  • Convenient. Atlanta residents in need of funding for emergencies may not have the luxury of completing a request in person. Online payday loans are a convenient alternative. They allow prospective consumers the ability to request a payday anytime from the comfort of their homes.
  • Fast. Unexpected expenses make many people seek fast financing options. Thankfully, installment loans can be a go-to option. Atlanta residents looking for funding can expect easy and quick loan request processes. If approved, the funds may be deposited in the consumer’s account in as little as one business day.

Requesting Installment Loans in Atlanta

Consumers in Atlanta can get started on their installment loan requests online. Many lenders offer quick and hassle-free loan requests on their official websites. Typically, you will need to provide some personal and financial information.

To request a payday loan, consumers in Atlanta must:

  • Be 18 years old
  • Be a U.S. citizen or permanent resident
  • Provide proof of income

The consumer will be required to submit the following personal information:

Requesting Title Loans in Atlanta

Consumers in Atlanta may also request title loans instead of payday loans if they own a car. Title loan amounts are not regulated in Georgia. As a result, lenders may offer up to 60% of the vehicle’s appraised value.

The minimum title loan term is 30 days. However, the term can be extended for an additional 30 days. Moreover, Atlanta also has specific regulations regarding title loan fees based on the loan duration. The fees are:

  • 25% and $10 for 30-to-90-day loans
  • 12.5% and $5 after 90-day loans

Keep in mind the lender will retain the car’s title until the consumer repays the loan. As a result, the lending company may repossess and sell the vehicle if the consumer defaults on payments.

Our Favorite Atlanta, GA, Lenders

If you are searching for an installment or title loan in Atlanta, you may consider the following lenders:

Advance America

Advance America offers installment loans, title loans, and lines of credit. Additionally, Advance America provides prepaid VISA cards and Western Union services. To request a loan, consumers can go online.

ACE Cash Express

Atlanta residents looking for short-term financial solutions can turn to ACE Cash Express. This national lender offers payday and salary advance loans, catering to those in need of quick cash. With multiple locations in Atlanta, ACE Cash Express has established itself as a reliable lending option. To apply, individuals can visit their website or drop by one of their local branches.

Company name
Address
Phone
A D R Financial Service
1260 Glenwood Ave Se Atlanta GA, 30316
404-521-1434
A Payday Advance
1260 Glenwood Ave Se Atlanta GA, 30316
404-521-3580
Abc Check Cashing Inc
3253 Buford Highway Northeast Suite 760 Atlanta GA, 30329
404-320-7823
Ach Inc
Atlanta Atlanta GA, 30303
678-610-6732
Advance America
6085 Old National Highway Atlanta GA, 30349
770-908-6249
ADVANCE AMERICA
56 Marietta St Nw Atlanta GA, 30303
404-688-3470
Advanced Payment Technologies
4470 Chamblee Dunwoody Road Suite 255 Atlanta GA, 30338
770-455-1070
Alabama Checkcashers Inc
3304 Buford Hwy Ne Ste A Atlanta GA, 30329
404-633-5623
All Checks Cashed
801 Jackson Pkwy Nw Atlanta GA, 30318
404-799-0277
All Checks Cashed
495 Moreland Avenue Atlanta GA, 30316
404-635-1561
ALL CHECKS CASHED
12 Peachtree St # 2 Atlanta GA, 30303
404-523-2274
ALL CHECKS CASHED
801 James Jackson Pkwy Nw Atlanta GA, 30318
404-799-0277
ALL CHECKS CASHED
876 Cleveland Ave Atlanta GA, 30344
404-766-0677
All Checks Cashed - Store 01
585 Memorial Drive Southeast Atlanta GA, 30312
404-659-7455
All Checks Cashed 2
10 Northside Dr Nw Atlanta GA, 30314
404-524-4115
All Checks Cashed 6
495 Moreland Ave Se Atlanta GA, 30316
404-624-9249
All Checks Cashed 6
495 Moreland Avenue Southeast Atlanta GA, 30316
404-624-9249
Alliance Business Leasing
2879 North Druid Hills Road Northeast Atlanta GA, 30329
404-321-1888
Alliance Merchant Services
Atlanta Atlanta GA, 30303
404-321-1888
American Check Cashing
12 Peachtree Street Northwest Atlanta GA, 30303
404-523-1198
American Check Cashing
906 Cleveland Avenue Atlanta GA, 30344
404-209-0176
American Check Cashing Inc
906 Cleveland Ave Atlanta GA, 30344
404-766-1933
American Check Cashing Inc
801 James Jackson Parkway Nortrhwest Atlanta GA, 30318
404-799-0277
Atlanta Authorized Paymaster Sales & Service
1075 Robin Lane Northeast Atlanta GA, 30306
404-874-7105
Atlanta Cash It Here Inc
2100 Campbellton Rd Sw Atlanta GA, 30311
404-755-4152
Atlanta Check Cashers
215 Northwood Drive Northeast Atlanta GA, 30342
404-459-8250
ATLANTA CHECK CASHERS
215 Northwood Dr Ne Atlanta GA, 30342
404-459-8250
Atlanta Check Cashers Inc
2435 Martin Luther Dr Atlanta GA, 30311
404-696-0668
Atlanta Check Cashers Inc
3123 Main St Atlanta GA, 30344
404-768-4530
Atlanta Check Cashers Inc
6135 Roswell Rd Ne Atlanta GA, 30328
404-256-2884
Atlanta Check Cashers Inc
20 Forsyth St Nw Atlanta GA, 30303
404-577-6413
Atlanta Check Cashers Inc
4905 Buford Hwy Atlanta GA, 30341
770-458-5750
ATLANTA CHECK CASHERS INC
2435 Martin Luther King Jr Dr Atlanta GA, 30311
404-696-0668
Best Rates Check Cashing
4881 Old National Hwy Atlanta GA, 30337
404-761-2424
Budgetime Cash Advance
400 Galleria Pkwy Se Atlanta GA, 30339
404-385-6143
Business Center Etc
Po Box 44372 Atlanta GA, 30336
404-346-0488
Business Center Etc
3480 Greenbriar Parkway Southwest Atlanta GA, 30331
404-346-0488
Business Center Etc Inc
3480 Greenbriar Pkwy Sw Atlanta GA, 30331
404-346-0488
Cash America Pawn
126 Cleveland Avenue Southwest Atlanta GA, 30315
404-763-0550
Cash America Pawn Regional Office
3850 Jonesboro Road Southeast Atlanta GA, 30354
404-366-4422
Cash Depot Inc
569 Joseph E Lowery Blvd Atlanta GA, 30310
404-756-9080
Cash Depot Inc
569 Josph E Lwry Boulevard Southwest Atlanta GA, 30310
404-756-9080
Cash Mart
3843 Jonesboro Road Southeast Atlanta GA, 30354
404-361-2855
Cco Consulting Inc
5600 Buford Hwy Ne Atlanta GA, 30340
770-451-7511
Check Cash Plus
221 Cleveland Avenue Southwest Atlanta GA, 30315
404-209-2992
Check Cashers Inc
486 Decatur St Se Ste 4 Atlanta GA, 30312
404-523-1287
Check Cashers Inc No 1
486 Decatur Street Southeast Suite 4 Atlanta GA, 30312
404-523-1287
Check Cashing
6776 Highway 85 Atlanta GA, 30303
770-997-3600
Check Cashing Protection Systems
5775 Peachtre Dnwdy Road Northeast Atlanta GA, 30342
404-479-6170
Checks Cashed
3461 Roosevelt Highway Atlanta GA, 30349
404-209-8022
Checks No Problem
335 Cascade Rise Court Southwest Atlanta GA, 30331
404-691-7394
Clayton County Investigator
Atlanta Atlanta GA, 30303
404-366-6576
COMMISSION EXPRESS
5784 Lake Forrest Dr Nw Ste 23 Atlanta GA, 30328
404-845-4076
Community Fincl Svc Ctr Corp
585 Memorial Dr Se Atlanta GA, 30312
404-659-7455
County Bank Of Rehoboth Beach De Dba Xtra Cash
Atlanta Atlanta GA, 30303
404-691-6007
Discount Check Cashers
3208 Mrtn Lthr Kng Jr Drive Atlanta GA, 30311
404-699-7900
Discount Check Cashers
3208 Mlk J Atlanta GA, 30311
404-699-7900
Discount Check Cashing
3599 Mrtn Lthr Kng Jr Drive Atlanta GA, 30331
404-691-1399
Discount Check Cashing
3599 Mlk J Atlanta GA, 30331
404-691-1399
DISCOUNT CHECK CASHING AND GRO
3208 Martin Luther King Jr Dr Atlanta GA, 30311
404-699-7900
Discount Check Cashing Llc
97 Peachtree Street Southwest Atlanta GA, 30303
404-222-9855
Dye Keith
486 Decatur Street Southeast Atlanta GA, 30312
404-523-1287
E U FINANCIAL SERVICES
20 Broad St Sw Atlanta GA, 30303
404-230-1720
El Valu Check Cashing
4949 Buford Hwy Atlanta GA, 30341
678-888-0171
El Valu Check Cashing
4949 Buford Highway Atlanta GA, 30341
678-888-0171
Electronic Payment Processing
Atlanta Atlanta GA, 30303
770-477-4864
Envios Azteca
5750 Buford Highway Northeast Atlanta GA, 30340
770-455-1804
Ethio Check Cashing
2151 Godby Road Atlanta GA, 30349
770-991-0614
Ethio Check Cashing Inc
2151 Godby Rd Ste 13 Atlanta GA, 30349
770-991-0614
Friendly Check Cashing
876 Cleveland Avenue Atlanta GA, 30344
404-766-3133
Georgia Catalog Sales
945 East Paces Ferry Road Northeast Atlanta GA, 30326
912-692-0005
Georgia Catalog Sales
945 East Paces Ferry Road Northeast # B Atlanta GA, 30326
912-692-0005
Georgia Catalog Sales 14
945 East Paces Ferry Road Northeast Atlanta GA, 30326
229-259-9700
Globalx
270 Peachtree Street Northwest Atlanta GA, 30303
404-525-1234
Greenbriar Check Cashiers
2975 Headland Drive Southwest Atlanta GA, 30311
404-344-7065
IMM CHECK CASHERS
2975 Headland Dr Sw Atlanta GA, 30311
404-346-7797
Interlink Financial Services
233 Mitchell Street Southwest Atlanta GA, 30303
404-588-1100
International Check Cashing
5600 Buford Hwy Atlanta GA, 30340
770-454-1025
International Check Cashing Services
5193 Pechtre Indstrl Boulevard Atlanta GA, 30341
770-454-1002
JOY FINANCIAL SERVICES INC
2609 Shallowford Rd Ne Atlanta GA, 30345
404-636-5511
Lakewood Check Cashing
1959 Lakewood Avenue Southeast Atlanta GA, 30315
404-627-0765
LAKEWOOD CHECK CASHING
1959 Lakewood Ave Se Atlanta GA, 30315
404-627-7407
LATINO SERVICES
1799 Lakewood Ter Se Atlanta GA, 30315
404-627-7630
M & G Check Cashing
1292 Donnelly Ave Sw Atlanta GA, 30310
404-755-5651
Magic Check Cashing
5195 Old National Hwy Atlanta GA, 30349
404-684-0033
Merchant Data Services Inc
3300 Buckeye Road Suite 700 Atlanta GA, 30341
770-936-8779
Merchant Services
4470 Chamblee Dunwoody Road Suite 255 Atlanta GA, 30338
770-220-0030
MONEY MARKET
8725 Roswell Rd Ste 5 Atlanta GA, 30350
770-992-6103
Money Market Of Atlanta
209 Edgewood Avenue Southeast Atlanta GA, 30303
404-525-3599
MONEY WORLD
55 Moreland Ave Se Atlanta GA, 30316
404-659-4439
Money World No 3 Inc
1195 Wylie St Se Atlanta GA, 30316
404-659-4439
Moss Pawn
6382 Old Dixie Highway Atlanta GA, 30303
770-968-3474
MR PAYROLL
689 Boulevard Ne Atlanta GA, 30308
404-874-5335
Myong H Lee Inc
3253 Buford Hwy Ne Atlanta GA, 30329
404-320-3031
N Go Cash Inc
5441 Riverdale Rd Atlanta GA, 30349
770-994-9941
N R M C Financial Services
1955 Campbellton Rd Sw Atlanta GA, 30311
404-756-1060
Nice Check Cashing
1153 Rlph Dvd Abrnthy Atlanta GA, 30310
404-752-8421
Nice Check Cashing Inc
4891 Roosevelt Hwy Atlanta GA, 30349
770-306-1970
Nice Check Cashing Inc
4891 Roosevelt Highway Atlanta GA, 30349
770-306-1970
Nice Check Cashing Inc
5195 Old National Highway Atlanta GA, 30349
404-768-9299
Nice Check Cashing Inc
2636 Mrtn Lthr Kng Jr Drive Suite 26 Atlanta GA, 30311
404-766-3729
Nice Check Cashing Inc
2636 Mlk J Atlanta GA, 30311
404-691-4790
Nice Check Cashing Inc
31-B Forsyth St Nw Atlanta GA, 30303
404-577-1858
NICE FINANCIAL SERVICES
31 Forsyth St Sw Atlanta GA, 30303
404-517-1858
NICE FINANCIAL SERVICES
1153 Ralph David Abernathy Blv Atlanta GA, 30310
404-752-8421
NICE FINANCIAL SERVICES
4395 Fulton Industrial Blvd Sw Atlanta GA, 30336
404-867-4940
North River Check Cashing
8805 Roswell Rd Atlanta GA, 30350
770-998-0606
Now Check Cashing Inc
1352 Lakewood Ave Se Atlanta GA, 30315
404-635-0030
P And C Check Cashers
Taco Super Market Atlanta GA, 30303
404-325-5925
Paras Check Cashing
5674 Roswell Road Northeast Atlanta GA, 30342
404-250-1442
Recheck Corporation
4470 Chamblee Dunwoody Road Suite 255 Atlanta GA, 30338
770-451-0669
Salandy Associates
2895 Laurel Lane Atlanta GA, 30344
770-969-3508
Secondi Inc
1954 Airport Rd Ste 209 Atlanta GA, 30341
770-455-3561
Security Check
2255 Cumberland Parkway Southeast Atlanta GA, 30339
770-541-1177
Super Check Cash
3330 Buford Hwy Ne Atlanta GA, 30329
404-929-6473
Taco Market
3304 Buford Highway Northeast Atlanta GA, 30329
404-636-6463
Taurino Store Inc
2726 Shallowford Rd Ne Atlanta GA, 30341
770-234-0320
Telecheck
5775 Peachtre Dnwdy Road Northeast Atlanta GA, 30342
404-250-6170
Termnet Merchant Services Inc
2030 Powers Ferry Road Southeast Suite 134 Atlanta GA, 30339
770-612-2121
Tower Beer Wine Spirits
2161 Piedmont Road Northeast Atlanta GA, 30324
404-881-0301
TOWER PACKAGE STORE
2161 Piedmont Rd Ne Atlanta GA, 30324
404-881-0902
Tower Package Stores
5877 Buford Highway Northeast Atlanta GA, 30340
770-458-3272
TRIMAX FINANCIAL
2740 Greenbriar Pkwy Sw Ste B1 Atlanta GA, 30331
404-214-9940
Twenty Four Hour Check Cashing
2636 Martin Luther Dr Atlanta GA, 30311
404-691-4790
Two Guys Package
5420 Pechtre Indstrl Boulevard Atlanta GA, 30341
770-458-2798
Universal Check Cashiers
211 Peachtree St Sw Atlanta GA, 30303
404-589-4661
Universal Express Inc
3666 Shallowford Rd Ne Atlanta GA, 30340
770-451-4346
XTRABUCKS
2685 Metropolitan Pkwy Sw Atlanta GA, 30315
404-768-3985
XTRABUCKS
5855 Buford Hwy Ne Atlanta GA, 30340
404-329-0643
Y & T CHECK CASHING
1391 Moreland Ave Se Atlanta GA, 30316
404-635-0002
Your Check Cashing Store
2555 Bolton Road Northwest Suite 7 Atlanta GA, 30318
404-355-3612
Your Check Cashing Store Inc
2555 Bolton Rd Nw Ste 7 Atlanta GA, 30318
770-723-0011

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