Fair to Bad Credit Loans in GA

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Last updated on August 20, 2018

Commentary is for informational purposes only. See legal disclaimers here.

Daily Georgia Borrower Credit Scores

Last 10 borrowers applying for a loan out of Georgia had the following credit scores. Source: WFL Lender Pool. Updated daily. Credit scores based on avg. from Transunion, Experian, and Equifax.

631 491 566 411 560 473 477 654 602 535

Georgia APR Reports (?)
Enter zip and your 3 digit credit score.

Georgia Usury and Regulations

Summary of Georgia Usury Law(s) / Quote: "Legal: 7% Contract: 16%; any rate over $3,000 / Judgment:12% / Corporate: No rate specified"

(WeFindLenders.com endeavors to include the most up to date legal data for Georgia, but no guarantee or warranty of any kind is expressed or implied as to the accuracy of said data. This data is not intended to be legal advice. For legal help speak with a lawyer in Georgia, and/or contact the Georgia State government's division of banking and finance - legal statutes researched by FindLaw.com & American Lawyers Quarterly - see credits)

Georgia Usury Law Information:

Legal Maximum Interest Rates: Quote: "7% per year if rate not specified; over seven percent per annum must be in writing; max 16% when the principal is $3K or under; there is no limit on the interest rate if the note is between $3K and $250K, and needs to be "in simple interest" in a written loan agreement as per (§7-4-2)"

Usury Penalties: Quote: "Forfeiture of all interest charged as per (§7-4-10); criminal penalty as per (§7-4-18)"

Judgment Interest Rates: Quote: "Prime rate as per the Fed + three percent as per (§7-4-12)"

Legal Exceptions: Quote: "Small commercial notes as per (§7-3-14)"

Georgia Lenders By City

Atlanta GA / Augusta GA / Columbus GA / Savannah GA / Athens GA / Sandy Springs GA / Macon GA / Roswell GA / Albany GA

Georgia Department of Banking and Finance / Physical Address: 2990 Brandywine Road, Suite 200, Atlanta, Georgia 30341-5565 / Phone: (770) 986-1633 / Toll Free: (888) 986-1633 / Supervisory Division Fax: (770) 986-1654 or 1655 / Mortgage Fax: (770) 986-1029 / MSB Section Fax: (770) 986-1655 / Office Hours are 8:00am to 4:30pm - Monday thru Friday / Georgia Department of Banking and Finance / Georgia Complaint Process - complaints by phone @ (855) 411-2372

Georgia Lender Service Areas Map

Georgia Bad Credit Lenders Map - Initial Static Image

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Lenders
contact us for listing removal or amendment.


Georgia United Credit Union
6705 Sugarloaf Pkwy Duluth
GA 30097 - gucu.org
770.476.6400

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Credit Union of Georgia
3048 Eagle Dr, Woodstock
GA 30189 - www.cuofga.org
678.486.1111

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Georgia's Own Credit Union
2200 Century Pkwy, 4
Atlanta, - GA 30345
www.georgiasown.org
404.874.1166

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First Reliance Federal Credit Union
205 Collins Ind Blvd, Athens
GA 30601 - 706.613.1644
www.firstreliancefcu.org

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Robins Financial Credit Union
2636 Atlanta Hwy, Athens
GA 30606 - www.robinsfcu.org
800.241.2405

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Associated Credit Union
3749 Wheeler Rd, Augusta
GA 30909 - www.acuonline.org
706.868.2200

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Augusta Metro FCU
2338 Lumpkin Rd, Augusta
GA 30906 - 706.796.8226
www.youramfcu.org

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Greenville Heritage FCU
520 W Washington St, Greenville
SC 29601 - 864.467.4160
www.greenvilleheritage.com

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MTC Federal Credit Union
124 Verdae Blvd, Greenville
SC 29607 - www.mtcfederal.com
864.908.3448

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CGR Credit Union
2040 Ingleside Ave Macon
GA 31204 - www.cgrcu.org
478.745.0494

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Midsouth Community Fed Cu
3205 Hartley Bridge Road, Macon
GA 31216 - www.midsouthfcu.org
478.471.9946

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Artesian City Federal Credit Union
100 Flint Ave, Albany
GA 31701 - 229.436.0869
www.artesianfcu.org

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Navy Federal Credit Union
814 Radford Boulevard, Bldg 3600
Albany, - A 31704
www.navyfederal.org
888.842.6328

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Bad Credit Loan Form for Georgia

Fast Loan Pre-App Method
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Signature Loan In Georgia

Keven from Augusta would like to be approved for a loan of $8000 for him to use to pay a few bills he has and to complete plans he has for his home.

He wants to do a few upgrades that include new floors in the kitchen and bathrooms and fix some plumbing issues which are causing the damage to his floors.

The leaks have caused the flooring to lift and he thinks there is actually mold under one of the bathroom sinks.

His home actually needs a lot of work, but for him right now these are the real priorities.

He lives alone and works at a local garage repairing smell engines such as lawnmowers, boat engines and anything that needs repairs.

He is very happy with his life and enjoys chatting with his many clients, the neighbors and strangers that drop into the shop.

There is nothing that he cannot repair and he also knows pretty much everything that is going on in the area.

You also might have guessed that Kevin is going to do most of the repairs himself to save money.

A buddy who does a lot of plumbing work is going to give him a hand as well with the plumbing. He may also help with the floors as well. He will stretch this $8000 loan a long ways in terms of repairs he wants to make.

Kevin has a problem. He needs this loan, but he has never borrowed any money in the past and he does not have a credit card to his name.

He pays cash for almost everything and has always paid things like taxes, utilities etc. on time.

Bottom line is that Kevin does not have a credit score and he works for himself. Although he is obviously good with money, living within his means, he has no record for lenders to rely on to determine how risky it might be to approve a loan for him.

A $8000 loan with a four year term and 4.25% interest rate for Kevin would cost him the following per month:

• Loan Amount (principal) = $8000
• Interest Rate = 4.25%
• Term Length =4 year
• Monthly Payment = $181.53
• Total Paid Back = $8713.38
• Total Interest = $713.38

While Kevin’s circumstances might be unusual, there are lots of people who do not have a credit card and do not have a credit rating.

They have done well for themselves and do not pay any interest expense as a result.

Never the less there comes a time in almost everyone’s life when they need to borrow money for many different reasons. Kevin is facing that point in his life now.

He may have to accept a lien on his property in order to be approved for this loan. Once he has established a credit score it will be far easier to obtain loans in the future should he want one.

Given his record, he is quite confident that he will repay this loan early and never miss a payment.

He dislikes owing money to anyone and this loan will bother him a great deal until it is fully repaid. However, he really has no choice, he needs to make these repairs to his home and soon.

If you live in the State of Georgia and you're struggling with a bad credit rating we hope our website helps you in some way.

Sincerely,

Chris Somerset

Chris Somerset is the daughter of Lance Somerset who founded the We Find Lenders Pool. She contributes to WeFindLenders.com whenever she's not having fun with her three children and her husband Ron.

Debt Consolidation Loans in Georgia

Last 5 debt service loans approved in the State of Georgia. Source: WFL Lender Pool. Updated daily. Principals rounded to the nearest $1000. Relative interest rates listed below in order left to right.

$55000 $65000 $15000 $90000 $5500

8.78% 6.30% 13.57% 14.11% 9.78%

Debt Consolidation Providers In GA

Georgia Debt Consolidation Loan Providers - Initial Static Image

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Lenders
contact us for listing removal or amendment.


Atlanta Debt Consoldiation
4060 Peachtree Rd NE Atlanta
GA 30319 - 800.296.0237

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Atlanta Debt Consolidation
Trinity Ave SW, Atlanta
GA 30301 - 623.385.5560

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Debt Management Guys
2625 Piedmont Rd NE, Atlanta
GA 30324 - 678.561.3328
www.debtmanagementguys.com

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A American Debt Consolidation
Smyrna, GA 30080
170.432.2060

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Credit Debt Consolidation
Snellville, GA 30078
770.985.8556

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A American Debt Consolidation
McDonough, GA 30252
678.583.8630

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AAA Debt Hoiline
Macon, GA 31201
478.745-1416

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A American Debt Consolidation
Warner Robins, GA 31088
478.923.3366

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A American Debt Consolidation
McDonough, GA 30252
678.583.8630

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1st Franklin Financial
2231 Dawson Rd
Albany, - A 31707
locations.1ffc.com
229.439.8867

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Sterling Finance Company
2801 Washington Rd #108, Augusta
GA 30909 - www.loansbyworld.com
706.736.0289

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A American Debt Consolidation
West Columbia, SC 29169
803.376.5385

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Decatur Debt Consolidation
Decatur, GA 30030
404.377.9067


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GA Consolidation Application Form

Georgia Application Form
Bad Credit Debt Consolidation Loans (?)
 

About Debt Consolidation Loans In GA

No matter what at your station of life, you may find yourself in a high debt with high interest rate situation. This is financially crippling and it's even more crippling if your credit score has sunk to rock bottom.

And if you don't have any collateral, a cosigner, home equity, some sort of asset, or family member willing to give you an easy loan, you're in a really tough spot. If you don't have a good monthly income, and you're spending habits done change for the better, you may have to employ a debt relief firm to help you with a fresh start.

Georgia Consolidation Loan Example

Steve from Macon owes a total of almost $10k to a number of venders, credit cards and even one small loan to his brother.

They all want to be paid and with the exception of his brother are threatening some kind of action to recover their money.

He really needs a debt consolidation loan so he can get everyone paid.

His AC unit quit on him and he had to have it totally replaced. The vender who sold him the unit and installed it obviously wants to be paid.

He gave Steve 30 days to pay the debt, which is coming due in another week. If he does not pay, the vender will initiate debt collection on him which he is quite sure will be expensive an unpleasant.

His brother loaned him a thousand dollars and although he has not said anything, Steve knows that his brother and his wife are wondering if they will ever see the money paid back.

He really wants to pay them and stay on good terms with them. They have helped him so much over the last couple of years and he does not want to ruin his relationship any more than it already is.

The credit card companies are actually the easiest to deal with in many ways. It is not personal, they just charge interest on overdue balances and when an account is overdue by a certain number of months, they start collection procedures.

They charge a lot of interest and fees for collection so it is very expensive.

If Steve could be approved for a $10000 loan he could repay everyone and start afresh. It would also reduce his overall interest costs and he would maintain his credit score.

At the moment he has not missed any payments and has not had any reports on his credit account.

He wants to keep it that way. A $10000 loan with a five year term and 5.25% interest rate for Steve would cost him the following per month:

• Loan Amount (principal) = $10000
• Interest Rate = 5.25%
• Term Length =5 year
• Monthly Payment = $189.88
• Total Paid Back = $11391.59
• Total Interest = $1391.59

With a five year term, Steve’s payments will be almost $200 a month which he can afford given his income and other regular payments.

He will be able to pay his brother back and he plans to pay his brother a little bit extra to thank him for helping him out. He figures it is the least he can do.

They need the money too.

The vendor who installed his AC unit will also be repaid and it is a good thing too. Steve figures he will need some more work done for him in a few months and he wants to use the same company.

It is a friend of his and he would like to avoid any future issues with him. He will also pay off his credit card debt and avoid paying high interest charges on the unpaid balance.

With the loan approved, it is all working out for Steve. He was getting a little stressed about what to do. He can rest easy now and just focus on meeting the terms of this loan.

If you live in the State of Georgia and you're trying to get approved for a debt consolidation loan, we hope our website helps you find a good lender and a low interest rate.

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

Credit Counseling Services In Georgia

Georgia Credit Counseling Providers - Initial Static Image

Click or tap map image above for interactive version.
Counselors
contact us for listing removal or amendment.

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Consumer Credit Counseling Services
1350 15th Ave Columbus
GA 31901 - www.cccs-wga.com
706.327.3239

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Money Management International
270 W Peachtree St NW Ste. 1800
Atlanta, GA 30303 - 713.394.3232
www.moneymanagement.org

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Rapid Credit Repair
2296 Winston Way, Augusta
GA 30906 - 678.961.0085
www.yellowpages.com

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GreenPath Financial Wellness
901 Washington Ave, Macon
GA 31201 - 800.550.1961
www.greenpath.com

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WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
  • Applying does not worsen your credit score
  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
  • Lenders who provide bad credit consolidation
  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

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