Abbeville at a glance
- Population: about 2,844, 207th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,683 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 6.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 207th largest of 536 (US Census Bureau).
- Size percentile: about 61% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 31.9926, -83.3065.
- Nearest larger cities (within 120 miles): Eastman, GA (16 mi); Fitzgerald, GA (20 mi); Hawkinsville, GA (24 mi); McRae-Helena, GA (24 mi); Cordele, GA (27 mi) (US Census Bureau populations).
- Nearest smaller places: Rhine, GA (6 mi); Rochelle, GA (9 mi); Pineview, GA (14 mi) (US Census Bureau estimates).
What a personal loan costs in Abbeville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Georgia lending rules that apply in Abbeville
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Prohibited (payday lending illegal in Georgia) Source says: "Payday lending is illegal in Georgia." | Georgia Department of Banking and Finance as of 2026-09-16 |
| Small-loan / installment lender licensing | Installment lender license required for loans of $3,000 or less Source says: "any entity making loans of $3,000.00 or less to individuals must be licensed with the Department as an installment lender". | Georgia Department of Banking and Finance as of 2026-09-16 |
| State lending regulator | Georgia Department of Banking and Finance (DBF) Source says: "The Non-depository division supervises mortgage lenders, mortgage brokers, and mortgage loan originators, as well as installment lenders, check cashers, and money transmitters". | Georgia Department of Banking and Finance as of 2026-09-16 |
| Installment Loan Act rate cap | 10% per annum of the face amount of the contract (licensed installment loans) Source says: "may charge interest at a rate not to exceed 10 percent per annum of the face amount of the contract". | Georgia Department of Banking and Finance as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | See the latest published figure value_text left null: Georgia's rate ceilings are set by O.C.G.A. Title 7, Chapter 4 (O.C.G.A. §§ 7-4-1 to 7-4-21); the Department of Banking and Finance does not publish the figure and the official code host could not be fetched, so no figure is asserted. | Georgia Department of Banking and Finance as of 2026-09-16 |
How to compare offers in Abbeville
The steps below are worth completing first when you borrow in Abbeville:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Georgia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.