Ephesus at a glance
- Population: 494 people, the 386th-largest place among Georgia's 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 470 (US Census Bureau).
- 2020 to 2023 change: up about 5.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 386th of 536 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 28% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.4069, -85.2568.
- Nearest larger cities: Bowdon, GA (9 mi); Franklin, GA (13 mi); Wedowee, AL (15 mi); Carrollton, GA (16 mi); Mount Zion, GA (17 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Roopville, GA (8 mi); Woodland, AL (8 mi); Centralhatchee, GA (9 mi) (Census populations).
What a personal loan costs in Ephesus
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Georgia lending rules that apply in Ephesus
The Georgia rate caps and licensing rules that reach Ephesus are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ephesus
Run through this list before signing anything in Ephesus:
- 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.