Carl at a glance
- Population: 227, the 472nd-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 208 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 9.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 472nd by size among 536 communities (US Census Bureau).
- Size percentile: about 12% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 34.0030, -83.8140 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Auburn, GA (1 mi); Dacula, GA (5 mi); Winder, GA (5 mi); Hoschton, GA (6 mi); Braselton, GA (7 mi) (US Census Bureau populations).
- Smaller places nearby: Rest Haven, GA (13 mi); Jersey, GA (20 mi); Buckhead, GA (40 mi), per US Census Bureau estimates.
What a personal loan costs in Carl
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Carl
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Carl
Run through this list before signing anything in Carl:
- 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.