Flovilla at a glance
- Population: about 683 residents, ranking 352nd of 536 Census places in Georgia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 643 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 6.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 352nd in population of 536 places (US Census Bureau).
- Size percentile: larger than about 34% of the Census places in Georgia (US Census Bureau).
- Coordinates: 33.2524 / -83.9029, per the US Census Bureau Gazetteer.
- Nearest larger cities: Jackson, GA (5 mi); Monticello, GA (13 mi); Locust Grove, GA (13 mi); Forsyth, GA (15 mi); Milner, GA (19 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Jenkinsburg, GA (9 mi); Orchard Hill, GA (18 mi); Shady Dale, GA (21 mi), per US Census Bureau estimates.
What a personal loan costs in Flovilla
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Georgia lending rules that apply in Flovilla
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Flovilla.
| 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 Flovilla
The order below is a sensible way to approach a loan in Flovilla:
- 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.