Camilla at a glance
- Population: 5,089 (US Census Bureau, Vintage 2023 subcounty estimate), the 139th-largest of 536 places in Georgia.
- 2020 Census base: 5,192 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.0% below the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 139th in population of 536 places (US Census Bureau).
- Size percentile: it exceeds roughly 74% of Georgia's Census places by population (US Census Bureau).
- Coordinates: 31.2341 latitude, -84.2096 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Albany, GA (24 mi); Cairo, GA (25 mi); Moultrie, GA (25 mi); Sylvester, GA (30 mi); Thomasville, GA (30 mi), each a US Census place with its estimated population.
- Smaller places nearby: Pelham, GA (8 mi); Newton, GA (10 mi); Baconton, GA (11 mi), per US Census Bureau estimates.
What a personal loan costs in Camilla
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Camilla
The table lists the Georgia rules that apply to a loan made in Camilla, each with the regulator that published it.
| 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 Camilla
Before you share your details with a lender in Camilla:
- 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.