Title & Cash Advance Loans 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.

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
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
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..

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.

More Resources:

See more local Georgia guides below:
Atlanta | Augusta | Columbus | Macon


  1. “Quick Facts: Atlanta City, Georgia.” United States Census Bureau. Accessed April 5, 2016. https://www.census.gov/quickfacts/table/PST045215/00,1304000.
  2. “How Payday Loans Work.” PayDay Loan Consumer Information. Consumer Federation of America. Accessed April 5, 2016. https://www.consumer.ga.gov/consumer-topics/payday-loans.
  3. “Title Pawns and Cash Advances.” Georgia Department of Law: Consumer Protection Unit. Accessed April 5, 2016. https://www.consumer.ga.gov/consumer-topics/payday-loans.
  4. “Pawnshops/Title Pawn.” State of Georgia, Department of Banking and Finance. Accessed April 5, 2016. https://dbf.georgia.gov/pawnshops-title-pawn/.

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