Bostwick at a glance
- Population: 394 people, the 418th-largest place among Georgia's 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 377 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 4.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 418th-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 22% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: latitude 33.7377, longitude -83.5139 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): North High Shoals, GA (6 mi); Rutledge, GA (10 mi); Watkinsville, GA (11 mi); Madison, GA (11 mi); Monroe, GA (12 mi) (US Census Bureau populations).
- Smaller places nearby: Good Hope, GA (7 mi); Bishop, GA (7 mi); Buckhead, GA (15 mi), per US Census Bureau estimates.
What a personal loan costs in Bostwick
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Georgia lending rules that apply in Bostwick
Read the table as the compliance picture for a lender serving Bostwick: label, sourced figure, publisher and date.
| 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 Bostwick
Before you commit to a personal loan in Bostwick, work through these steps:
- 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.