Ball Ground at a glance
- Population: the Census estimates 3,039 residents, ranking 195th of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 2,443 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 24.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 195th in population of 536 places (US Census Bureau).
- Size percentile: about 64% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 34.3417, -84.3669.
- Nearest larger cities within 120 miles: Jasper, GA (9 mi); Canton, GA (10 mi); Holly Springs, GA (14 mi); Milton, GA (14 mi); Dawsonville, GA (15 mi) (US Census Bureau).
- Nearest smaller towns: Nelson, GA (2 mi); Waleska, GA (10 mi); Talking Rock, GA (15 mi) (US Census Bureau).
What a personal loan costs in Ball Ground
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Ball Ground
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ball Ground
Before you share your details with a lender in Ball Ground:
- 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.