Payday Loans in Athens

All residents of Athens, Georgia know that it is a beautiful historic city filled with amazing places to see and visit. Athens has some of the best restaurants, hotels, and shopping centers in the entire state. People who live there are proud of everything it has to offer. However, most residents do not realize that Athens is a wonderful place to get financial assistance. When a person has an emergency such as with a car or home, he or she can search the city of Athens for something called a payday loan. This financial solution can answer many prayers for Athens residents. To put it simply, a payday loan is a cash advance that goes out to a borrower until his or her first work pay disbursement after the loan. They get their name from the short amount of time the length of the loans last. Borrowers can use these special cash advances for any situation that comes about. If a family member gets into a jam and needs cash fast, the borrower can use the cash for that. If the old computer breaks down and the borrower needs a quick replacement, he or she can use the case for that. Even if the borrower is overdue for a long vacation, he or she can use the cash for that. There are no stipulations on what a person can do with the proceeds from a cash advance. It is available for the customer's enjoyment until repayment time comes around.

The payday loan process is very simple. The first thing the individual needs to do is decide how much money to borrow. The candidate can request a payday advance as low as $300 or as high as $1,500. Lenders will give loans of up to $1,500, but it is not advisable for the candidate to request too much more than what he or she needs. The finance charges are sometimes hefty and the individual must keep in mind that these loans are due back very quickly. Once the candidate decides on an amount that he or she can repay, the next step is filling out a form on the website. The individual will have to provide the lenders with information such as name, contact number, address, employer information, and bank account information. The candidate must have a consistent source of income from a job or benefit. The individual should also have an income of approximately $1,000 per month. This will put the person in a good position for approval. The candidate must furnish bank account information so the lender knows where to disburse the funds.

The lender will use the same bank account information to withdraw payments when it is time for the consumer to pay back the loan. Both the borrower's job and bank accounts should be active for at least three months. The great thing about Athens, Georgia payday loans is that they are faxless and do not involve credit checks. Even people with less than perfect payment histories may gain approval for a quick cash advance. The customer is not usually required to fax any information. The lender will verify all information electronically to save the customers from carrying the burden of proof. If the lender decides to extend a loan to the candidate, the candidate must sign a contract accepting the terms of the agreement. The contract will state the amount the customer is borrowing, finance charges, life of the loan, and payment date. If the borrower approves of the agreement, he or she will sign the contract. The lender will usually disburse the loan proceeds into the borrower's bank account right away. Sometimes the borrower can receive funds within hours of requesting them.

Customer Statistics

Own vs. Rent

Percentage of users that own their home vs. those who rent.

Checking vs. Savings

Percentage of users that deposited their loan into a checking account vs. savings.

Employment vs. Benefits

Percentage of users with employment income vs. those on benefits.

* Statistics derived from private sources and the Census Bureau.

Athens Cash Advance Store Locations

There are countless reasons why one would need a cash advance. Consider a loan from a reputable lender if you find yourself short on cash. We have included a listing of our favorite Athens payday loan stores for your convenience. As a quicker alternative, consider an online payday loan instead. Simply fill out the form located on this page to get started.

Credit Unions

Banking has changed dramatically over the last couple decades. Countless have moved their accounts to Athens credit unions from traditional banking institutions. Perhaps it is time for you to consider your options when it comes to your portfolio. To make things easy for you, we have produced a list of reputable credit unions nearby.

Economic Assistance

Career counseling and job placement services are invaluable in a down economy. Consider enlisting in the help of a competent economic assistance establishment in Athens to help you get back in control of your finances. Call or visit one of the locations in your area for more information and powerful advice.