Georgetown-Quitman County at a glance
- Population: 2,280, the 223rd-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,237 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 1.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 223rd of the state's 536 Census places (US Census Bureau).
- Size percentile: ahead of around 58% of Georgia places in population terms (US Census Bureau).
- Coordinates: it sits at 31.8629, -85.0048 in the US Census Bureau Gazetteer.
- Nearest larger cities: Eufaula, AL (9 mi); Cuthbert, GA (14 mi); Abbeville, AL (25 mi); Webster County, GA (29 mi); Dawson, GA (34 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Fort Gaines, GA (17 mi); Lumpkin, GA (18 mi); Bakerhill, AL (18 mi), per US Census Bureau estimates.
What a personal loan costs in Georgetown-Quitman County
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Georgia lending rules that apply in Georgetown-Quitman County
The Georgia rate caps and licensing rules that reach Georgetown-Quitman County are listed below, each with its source and retrieval date.
| 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 Georgetown-Quitman County
Run through this list before signing anything in Georgetown-Quitman County:
- 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.