Cobbtown at a glance
- Population: 342 people, the 432nd-largest place among Georgia's 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 343 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 0.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 432nd of the state's 536 Census places (US Census Bureau).
- Size percentile: it is larger than about 19% of the places in Georgia (US Census Bureau).
- Coordinates: 32.2792, -82.1383 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Collins, GA (7 mi); Metter, GA (9 mi); Lyons, GA (12 mi); Stillmore, GA (12 mi); Oak Park, GA (12 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Manassas, GA (11 mi); Bellville, GA (13 mi); Pulaski, GA (13 mi) (US Census Bureau).
What a personal loan costs in Cobbtown
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Cobbtown
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cobbtown
A few practical steps will make the process in Cobbtown 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.