Bishop at a glance
- Population: 344, the 430th-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 333 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 3.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 430th largest of 536 (US Census Bureau).
- Size percentile: roughly 20% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.8187, -83.4382.
- Nearest larger cities within 120 miles: Watkinsville, GA (3 mi); North High Shoals, GA (4 mi); Bostwick, GA (7 mi); Bogart, GA (10 mi); Good Hope, GA (10 mi) (US Census Bureau).
- Nearest smaller communities: Maxeys, GA (16 mi); Hull, GA (16 mi); Buckhead, GA (18 mi), each a US Census place.
What a personal loan costs in Bishop
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Georgia lending rules that apply in Bishop
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Bishop.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bishop
Here is a short checklist for comparing personal loans in Bishop:
- 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.