Fargo at a glance
- Population: the Census estimates 258 residents, ranking 462nd of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 253 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 462nd in population of 536 places (US Census Bureau).
- Size percentile: it exceeds roughly 14% of Georgia's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 30.6869, -82.5714.
- Nearest larger cities (120-mile radius): Echols County, GA (19 mi); Homerville, GA (26 mi); Jasper, FL (27 mi); White Springs, FL (27 mi); Jennings, FL (32 mi) (US Census Bureau).
- Nearest smaller places: Argyle, GA (27 mi); Du Pont, GA (27 mi); Raiford, FL (47 mi) (US Census Bureau estimates).
What a personal loan costs in Fargo
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Fargo
Read the table as the compliance picture for a lender serving Fargo: label, sourced figure, publisher and date.
| 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 Fargo
Here is a short checklist for comparing personal loans in Fargo:
- 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.