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When you request a payday loan, you must be aware that a credit check may be involved. No Credit or Bad Credit OK! If you have no credit at all, there is nothing for a lender to check, except for your employment income or any income you receive.

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By law payday loans are prohibited in the state of Georgia. Lenders in this state must possess a license to deposit checks into someone's account and the state sets a minimum fee for cashing a post-dated check.