Flowery Branch at a glance
- Population: a Census-estimated 11,607, placing it 88th among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 9,399 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 23.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 88th in population of 536 places (US Census Bureau).
- Size percentile: about 84% of places in Georgia are smaller (US Census Bureau).
- Coordinates: mapped at 34.1713, -83.9187 by the US Census Bureau Gazetteer.
- Nearest larger cities: Buford, GA (5 mi); Braselton, GA (7 mi); Sugar Hill, GA (9 mi); Gainesville, GA (10 mi); Suwanee, GA (12 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Rest Haven, GA (4 mi); Oakwood, GA (4 mi); Hoschton, GA (11 mi), each a US Census place.
What a personal loan costs in Flowery Branch
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Flowery Branch
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Flowery Branch.
| 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 Flowery Branch
Before you share your details with a lender in Flowery Branch:
- 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.