Colbert at a glance
- Population: 667 (US Census Bureau, Vintage 2023 subcounty estimate), the 355th-largest of 536 places in Georgia.
- 2020 Census base: 631 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 5.7% since the 2020 count (US Census Bureau).
- Rank among Georgia places: 355th of the state's 536 Census places (US Census Bureau).
- Size percentile: ahead of around 34% of Georgia places in population terms (US Census Bureau).
- Coordinates: mapped at 34.0372, -83.2131 by the US Census Bureau Gazetteer.
- Nearest larger cities: Comer, GA (5 mi); Danielsville, GA (6 mi); Winterville, GA (6 mi); Crawford, GA (11 mi); Nicholson, GA (13 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Hull, GA (5 mi); Arnoldsville, GA (8 mi); Carlton, GA (10 mi) — US Census Bureau populations.
What a personal loan costs in Colbert
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Colbert
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Colbert.
| 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 Colbert
Before you share your details with a lender in Colbert:
- 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.