Bogart at a glance
- Population: 1,350, the 273rd-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,278 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 5.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 273rd in population of 536 places (US Census Bureau).
- Size percentile: roughly 49% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: 33.9476, -83.5337 (US Census Bureau Gazetteer).
- Nearest larger cities: Statham, GA (4 mi); Arcade, GA (9 mi); Watkinsville, GA (10 mi); Winder, GA (11 mi); Nicholson, GA (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: North High Shoals, GA (8 mi); Bethlehem, GA (10 mi); Bishop, GA (10 mi), each a US Census place.
What a personal loan costs in Bogart
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Georgia lending rules that apply in Bogart
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Bogart.
| 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 Bogart
A few practical steps will make the process in Bogart less costly:
- 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.