Waycross, GA · South · Not permitted
Payday loans in Waycross
Waycross is governed by Georgia's statewide lending law — cities don't set their own loan rules. Payday lending is not permitted in Georgia. Any company offering two-week, high-fee loans here is operating outside state law — the state regulator is the right place to report it.
No license exists for this product in this state, so any lender offering it deserves a report.
Lending storefronts in Waycross
14,089 residents · Pierce County / Ware County Median household income is $25,082 — below the Georgia median of $49,583.
3 storefront locations of 3 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 1st Franklin Financial Investing, Installment Loans | 325 Hatcher Point Rd Ste G, 31503 | (912) 287-1500 | Mon 8:30 AM - 5:30 PM · hours vary |
| Security Finance Installment Loans | 413 Lott St, 31501 | (912) 285-8886 | Mon 9:00 AM - 6:00 PM · hours vary |
| Sunbelt Credit Installment Loans | 960 S City Blvd Ste E, 31501 | (912) 283-7458 | Mon 9:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Georgia page before visiting. Spot an error? Report it.
The online route in Waycross
The Georgia ban covers every lender serving Waycross residents, online or off. Sites that still advertise high-fee short-term loans here route through partner banks or tribal charters outside state licensing — treat them accordingly.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Georgia regulator.
The rules behind the numbers
Payday lending is illegal under Georgia law, which carries severe criminal penalties for unauthorized short-term lending.
Statute: O.C.G.A. § 16-17-1 et seq.
Regulator: Georgia Department of Banking and Finance · dbf.georgia.gov
Questions people ask in Waycross
Are payday loans legal in Waycross, GA?
No. Payday lending is illegal under Georgia law, which carries severe criminal penalties for unauthorized short-term lending. The ban applies to Waycross like every other city in the state — any store or site offering two-week, high-fee loans here is operating outside the law.
Where can I borrow legally in Waycross?
Federal credit-union PALs (28% APR ceiling), installment lenders priced under the state cap, employer advances, and local assistance programs. Each costs a fraction of payday pricing.
A storefront in Waycross offered me a payday loan. Is that legal?
No. The state ban covers every lender making loans to Georgia residents, wherever the company is based. Save the contract, the website and the payment details — they are evidence.
Who do I report an illegal lender to in Waycross?
Complaints about a lender go to the Georgia Department of Banking and Finance (dbf.georgia.gov) — keep the loan agreement and every fee disclosure you were given.