Butler at a glance
- Population: 1,832, the 248th-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,873 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 2.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 248th out of 536 Census places (US Census Bureau).
- Size percentile: roughly 54% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 32.5572, -84.2373 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Fort Valley, GA (21 mi); Montezuma, GA (22 mi); Thomaston, GA (24 mi); Byron, GA (29 mi); Perry, GA (30 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Reynolds, GA (8 mi); Ideal, GA (13 mi); Junction City, GA (13 mi) (US Census Bureau estimates).
What a personal loan costs in Butler
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
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 Butler
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Butler.
| 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 Butler
A few practical steps will make the process in Butler 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.