Centerville at a glance
- Population: 8,470 (US Census Bureau, Vintage 2023 subcounty estimate), the 106th-largest of 536 places in Georgia.
- 2020 Census base: 8,240 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 2.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 106th largest of 536 (US Census Bureau).
- Size percentile: ahead of around 80% of Georgia places in population terms (US Census Bureau).
- Coordinates: 32.6365 latitude, -83.6857 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Warner Robins, GA (3 mi); Perry, GA (12 mi); Macon-Bibb, GA (12 mi); Fort Valley, GA (13 mi); Milledgeville, GA (41 mi) (US Census Bureau populations).
- Nearest smaller places: Byron, GA (4 mi); Marshallville, GA (19 mi); Roberta, GA (20 mi) (US Census Bureau estimates).
What a personal loan costs in Centerville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Georgia lending rules that apply in Centerville
The Georgia rate caps and licensing rules that reach Centerville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Centerville
Before you share your details with a lender in Centerville:
- 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.