Dudley at a glance
- Population: 595 — 367th in Georgia, which has 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 591 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 0.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 367th out of 536 Census places (US Census Bureau).
- Size percentile: it is larger than about 32% of the places in Georgia (US Census Bureau).
- Coordinates: 32.5335 latitude, -83.0836 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Dexter, GA (7 mi); Dublin, GA (9 mi); Chester, GA (10 mi); East Dublin, GA (13 mi); Jeffersonville, GA (18 mi), each a US Census place with its estimated population.
- Smaller places close by: Montrose, GA (4 mi); Allentown, GA (9 mi); Danville, GA (11 mi) (US Census Bureau).
What a personal loan costs in Dudley
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Dudley
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Dudley
The order below is a sensible way to approach a loan in Dudley:
- 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.