Do You Need a Title or Payday Loan in Atlanta?
An OppLoans Guide to Getting The Help You Need

Atlanta is already the capital of Georgia, but it might as well be the capital of the South too. From its rich history to its booming music scene to its world-class sports teams, Atlanta has something for everyone — as long as they don’t mind the traffic.

But there are many people in Atlanta who struggle just to get by. In fact, recent estimates state that a quarter of Atlanta’s population is living at or below the federal poverty lines.[1] These are people with low incomes and little-to-no savings who lack access to healthy food, affordable healthcare, and safe housing, let alone the kinds of financial resources that many others take for granted.

If you live in Atlanta and need a little help, there are places you can go. Some of them are not-for-profits that operate food pantries or credit counseling services, while others are lenders that can offer you a safe, affordable personal loan. There is help available in Atlanta; you just need to know where to look.

Healthcare Resources in Atlanta


Unfortunately, healthcare isn’t known for being affordable. And the high costs drive many people to forgo the kind of care that is critical to their health and well-being. Luckily, there are affordable healthcare options available in Atlanta. Check out the resources listed below:

Find free and low-cost medical and dental clinics in Atlanta at and

Fulton County Health and Wellness has several public health centers in the Atlanta area.

If you qualify, you can apply for benefits through Medicare or Medicaid.

NAESM is an organization that was founded to address health issues that affected communities of color, especially HIV/AIDS. They offer some health services in Atlanta.

Mercy Care is another medical provider that services uninsured and under-insured clients. They have 14 different locations throughout the greater Atlanta area.

Southside Medical Center provides affordable healthcare services throughout Georgia. They have two locations in Atlanta.

The Georgia Lions Lighthouse Foundation provides access to affordable health and vision services.

The Open Door Community operates the Harriet Tubman Women’s Clinic which can provide women’s health services to those who would not otherwise have access to them.

Visit the website for the Georgia Charitable Care Network to find a free or charitable clinic in your area.

You can find WIC throughout Atlanta and Georgia by visiting

Food Assistance in Atlanta

Food Assistance

For people who don’t have a lot of extra income — or those who have no income at all — affording the cost of food can be difficult. This is especially true for those who are trying to feed not only themselves but their family as well. Here is a list of places and resources available in Atlanta where people in need can find food assistance.

If you are a member of a low-income household in Atlanta, you can apply for benefits through The Georgia Food Stamp Program, also known as Supplemental Nutrition Assistance Program (SNAP).

Georgia Food Bank Association is a group of eight food banks that work with partner agencies and local pantries across the state to feed the hungry.

Malachi’s Storehouse has a food pantry that’s open on Wednesdays from 1:00-3:00 p.m. It is located inside St. Patrick’s Episcopal Church.

Society of St. Vincent de Paul Georgia provides food assistance in the Atlanta area. They also operate 38 client choice food pantries throughout North and Central Georgia.

The Atlanta Community Food Bank is located at 732 Joseph E. Lowery Blvd., NW Atlanta.

The C. Spencer Godfrey Food Pantry can provide one week’s worth of emergency food assistance. It is a part of Buckhead Ministries, which provides many other kinds of emergency and long-term assistance as well.

The Southwest Ecumenical Emergency Assistance Center (SWEEAC) operates a food pantry available to people living in Southwest Atlanta.

The Venable Food Pantry is a part of the First Presbyterian Church of Atlanta. It is open Monday, Wednesday, and Friday afternoons from 1:00-3:00 p.m.

Toco Hills Community Alliance provides food assistance to needy populations in the 30002, 30021, 30030, 30032, 30033, 30079, 30306, 30307, 30317, 30319, 30324, 30329, 30340, 30341, 30345 zip codes.

To find more food pantries in Atlanta, visit and

Addiction and Recovery Resources

Addiction and Recovery

Getting sober is hard. Getting sober without help can be too hard. However, professional rehab programs can cost a lot of money, especially for recovering addicts and alcoholics who don’t have health insurance. If you are someone in Atlanta who’s looking for help getting sober, here is a list of resources where you can find affordable help.

Alcoholics Anonymous uses the 12-step approach to recovery. They have many meetings throughout Atlanta and the surrounding area.

If you need help with substance abuse issues in the Atlanta area, you can call the Georgia Crisis and Access Line (GCAL) at 1 (800) 715-4225.

Narcotics Anonymous also has meetings throughout Atlanta and uses the 12-step approach to recovery.

Positive Impact Health Center offers substance abuse treatment services for people who are HIV-positive. They charge for their services on a sliding scale.

Southside Medical Center’s Behavioral Lifestyle Enrichment Center treats low-income and underinsured people suffering from substance abuse and/or mental health issues.

Veterans Assistance

Veterans Assistance

America’s veterans need our help. There are many of them who struggle with wounds both physical and psychological that they suffered in their time overseas. Many struggle to find a job or an apartment, and far too many end up living on the streets. Check out the resources listed below to find some places in Atlanta and the surrounding area where veterans can find help.

Action Ministries has a Supportive Services for Veteran Families (SSVF) program. If you need assistance with housing, finances, and other veteran’s issues, please give them a call at (888) 206-7372.

Gateway Center aims to eliminate homelessness in Atlanta and has programs to assist homeless veterans.

Georgia Department of Veterans Services is another great place to find Atlanta-area veterans programs.

The Atlanta Vet Center is located at 1800 Phoenix Boulevard, Building 400 in Suite 404. They can be reached by phone at (404) 417-5414.

The Salvation Army also has programs to assist Atlanta-area veterans, particularly with issues of substance abuse.

The United States Department of Veterans Affairs provides many different programs to assist veterans throughout the country. They are also a great place to find Atlanta-area resources.

The VA also operates a community-based outpatient clinic that serves the Atlanta area. Its address is 250 North Arcadia Avenue, Decatur, GA 30030.

United Way Atlanta works to combat homelessness in Atlanta and has programs to help homeless

Veterans in Atlanta can receive medical treatment at the Atlanta VA Medical Center.

Veterans who need help with their VA benefits can visit the Atlanta Regional Benefits Office.

Housing, Rent/Utility Assistance and Homelessness

Housing, Rent/Utility Assistance and Homelessness

Finding consistent, affordable, and safe housing is an important step for anyone looking to climb out of poverty. And yet there are many ways in which housing-related issues can become a major headache. If you are someone in Atlanta who needs help with rent, utilities, and keeping or finding affordable housing, here are some places where you can find some assistance.

Action Ministries helps individuals and families in Georgia transition out of poverty and homelessness through affordable housing.

Atlanta Housing Authority helps low-income families find affordable housing through their own housing options and also through a housing voucher program.

Atlanta Mission operates shelters for men as well as for women and children. They also have a number of other programs to help combat homelessness.

Gateway Center aims to eliminate homelessness in Atlanta and has many different programs to help those in need.

People who are struggling to pay their energy bills should apply for assistance through the Low Income Home Energy Assistance Program (LIHEAP).

Search for other Atlanta-area affordable housing options and assistance programs at and

The Salvation Army has a number of different programs and shelters through their Red Shield Services to help Atlanta-area residents deal with homelessness, find affordable housing, and afford the cost of utilities.

To find a homeless or emergency shelter in Atlanta, visit

Visit the U.S. Department of Housing and Urban Development’s website to find a list of HUD-approved housing counseling agencies as well as other local resources.

You can find affordable housing assistance through the City of Atlanta’s Office of Housing. You can also apply for Section 8 vouchers through the Georgia Department of Community Affairs.

Borrowing Money in Atlanta

Looking for a fast cash to cover some unforeseen expenses can be intimidating. There are lots of lenders out there who take advantage of people with low incomes in desperate circumstances. These are known as “predatory lenders” and they offer loans that come with ludicrously high-interest rates. Predatory loans can all too easily trap borrowers in a cycle of debt, one from which the only way out is through having their already small wages garnished towards repayment. Make sure to do your research before you apply for a loan, and check these handy guides towards the different kinds of loans available to people in the Atlanta area.

Payday Loans in Atlanta

Payday Loans in Atlanta
A quick way to get trapped in a cycle of debt.

People in Atlanta are actually quite lucky when it comes to payday loans, because they are pretty much illegal under Georgia state law.[1] This is good, because it prevents customers from taking out high-interest, short-term loans that might seem great up front but can all too easily trap them in a nasty cycle of debt.

The “payday” in payday loans comes from how long these loans are meant to last you: until your next payday. They are usually for small amounts and they are very easy to secure, not requiring much more than a post-dated check made out to the lender for the amount owed. The average term for one of these loans is 14 days and, in addition to interest, they usually have a number of fees and charges tacked on.[2]

The real problem is that the annual percentage rate (APR) for these loans can get up to 400% or even higher. Plus, many lenders will offer to ” rollover” the loan for customers who can’t pay on time. This means that they extend the terms, giving the customer more time to pay while simultaneously racking up more interest and fees. It’s through the practice of rollover that borrowers get trapped in a cycle of debt, owing more and more on the loan until finally they owe far more than they could possibly hope to repay.

State laws in Georgia forbid charging interest rates above 10% on any loan under $3,000. And in 2004, lawmakers beefed up the laws even further to make charging above 60 percent a felony. If you have encountered a lender in Atlanta that is charging excessively high rates, please contact the Office of the Attorney General’s Consumer Interest Section by mail. Their mailing address is 40 Capitol Square, SW, Atlanta, Georgia 30334.

Title Loans in Atlanta

Title Loans in Atlanta
Can’t afford to lose your car? Then you can’t afford one of these high-cost loans.

For people in desperate need of some quick cash, a title loan might sound like a pretty good solution. You just hand over the title to your car, truck or motorcycle to serve as collateral, and in return, you get a wad of cash to cover those emergency expenses. However, the reality of title loans is a little different than that. And it’s also a heck of a lot scarier.

The problem with title loans isn’t just that they use your car as collateral; it’s that they charge sky-high interest rates. And since those interest rates make the loan fairly difficult to pay off, that puts your car in jeopardy. Fail to pay back a title loan and the lender has the legal right to repossess your car and sell it in order to recoup their losses.

In Georgia, title loans come with annual percentage rates as high as 187.5%.[3] For the first 90 days of the loan, the lender can charge up to 25% in fees and interest. That means that taking out a title loan for three months will leave you paying almost as much in fees and interest (75%) as what you were originally loaned. After those 90 days are up, the lender can continue to charge 12.5% in fees and interest per month. Within five months of taking out a title loan in Georgia, you will owe 100% of what you were loaned in fees and interest..

Title loans leave people trying to pick between the lesser of two evils. On the one hand, they may have to pay back several times the amount that they were originally loaned. And on the other hand, they have losing their vehicle to repossession. If you’re strapped for cash in Atlanta, don’t pick either evil. There are better options out there..

Pawn Shops in Atlanta

Pawn Shops in Atlanta
For when you want to pay for the privilege of losing your stuff.

There are pawn shops all across Atlanta, and they can be a fun place to go shopping for sports memorabilia, musical instruments, electronics and more. However, those same pawn shops are not such a great place to get a cash loan. Just take a look around at all that cool stuff on sale and remember that most of it was the result of a small-dollar, high-interest loan that someone couldn’t afford to repay.

To get a pawn shop loan, a customer first has to offer up some kind of valuable item to serve as collateral. It might be something like a rare John Smoltz rookie card or a signed Outkast album, really anything that the pawn shop thinks they could sell. Depending on the value of the item, the pawn shop will then offer the person a loan. If the person pays back the loan, the person gets their item back. If they don’t, then the pawnshop gets to sell it to make up their losses.

Pawn shops operate under the same laws as title lenders (in fact, title lenders in Georgia are technically classified as “pawn title lenders”), so pawn shops can charge an annual percentage rate (APR) on their loans of up to 187.5%. It’s 25% in fees and interest for the first three months and 12.5% in fees and interest for every month after that.[4]

Pawn shop loans generally aren’t issued for very much. This is because their value is secured by smaller personal items. With high rates, low principals and the very real possibility of losing your stuff if you can’t pay, pawn shop loans just aren’t a great option for fast cash..

Personal Installment Loans in Atlanta
Get a loan that is fast, safe and affordable.

If you’re someone in Atlanta with less-than-great credit who needs some quick cash to cover unforeseen expenses, it’s pretty clear that your other options aren’t so great. Predatory loans will leave you with little time to pay huge bills. That’s why you should choose a loan that’s safe, reliable and will fit your budget. That’s why you should choose a loan from OppLoans.

A personal installment loan from OppLoans comes with interest rates that are generally 70-125% less than other personal lenders and payment terms between 6 and 36 months. Our loans come with a series of easy monthly payments that can easily fit into even the tightest of budgets.

OppLoans offers personal installment loans up to 5,000 and always strives to deliver fast, flexible, fair and five-star service:

  • Fast: Apply online and find out if you’re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Flexible: We offer longer terms, larger loans, and affordable, fixed payments. Your monthly payment will be the same throughout the life of the loan.
  • Five-Star: Customers rate us 4.9 out of 5 stars for our friendly service. We also provide discounts for credit education.

Call an OppLoans customer service representative today at 1-(800) 990-9130 to discuss the most efficient and safe way to get money into your account by the next business day.


  1. “Quick Facts: Atlanta City, Georgia.” United States Census Bureau. Accessed April 5, 2016.,1304000.
  2. “How Payday Loans Work.” PayDay Loan Consumer Information. Consumer Federation of America. Accessed April 5, 2016.
  3. “Title Pawns and Cash Advances.” Georgia Department of Law: Consumer Protection Unit. Accessed April 5, 2016.
  4. “Pawnshops/Title Pawn.” State of Georgia, Department of Banking and Finance. Accessed April 5, 2016.

*OppLoans is not affiliated with any of the programs, services or organizations referenced on this page.