Cecil at a glance
- Population: about 283, 457th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 287 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 1.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: 457th in population of 536 places (US Census Bureau).
- Size percentile: roughly 15% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: latitude 31.0466, longitude -83.3909 (US Census Bureau Gazetteer).
- Nearest larger cities: Hahira, GA (4 mi); Adel, GA (6 mi); Sparks, GA (9 mi); Morven, GA (10 mi); Ray City, GA (12 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Ellenton, GA (15 mi); Du Pont, GA (31 mi); Argyle, GA (44 mi) (US Census Bureau estimates).
What a personal loan costs in Cecil
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Cecil
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Cecil.
| 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 Cecil
Before you share your details with a lender in Cecil:
- 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.