Culloden at a glance
- Population: 219 — 473rd in Georgia, which has 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 200 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 9.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 473rd out of 536 Census places (US Census Bureau).
- Size percentile: about 12% of places in Georgia are smaller (US Census Bureau).
- Coordinates: it sits at 32.8649, -84.0940 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Yatesville, GA (4 mi); Roberta, GA (11 mi); Barnesville, GA (13 mi); Thomaston, GA (14 mi); Forsyth, GA (15 mi) (US Census Bureau).
- Nearest smaller places: Aldora, GA (14 mi); Junction City, GA (28 mi); Gay, GA (32 mi) (US Census Bureau estimates).
What a personal loan costs in Culloden
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Georgia lending rules that apply in Culloden
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Culloden
Run through this list before signing anything in Culloden:
- 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.