Hazlehurst at a glance
- Population: 4,071 (US Census Bureau, Vintage 2023 subcounty estimate), the 161st-largest of 536 places in Georgia.
- 2020 Census base: 4,083 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 0.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: 161st in population of 536 places (US Census Bureau).
- Size percentile: it exceeds roughly 70% of Georgia's Census places by population (US Census Bureau).
- Coordinates: mapped at 31.8641, -82.5993 by the US Census Bureau Gazetteer.
- Nearest larger cities: Baxley, GA (16 mi); McRae-Helena, GA (22 mi); Vidalia, GA (27 mi); Lyons, GA (29 mi); Douglas, GA (29 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Graham, GA (7 mi); Lumber City, GA (7 mi); Denton, GA (11 mi) (US Census Bureau).
What a personal loan costs in Hazlehurst
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Georgia lending rules that apply in Hazlehurst
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Hazlehurst.
| 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 Hazlehurst
These steps are the ones that most affect the offer you receive in Hazlehurst:
- 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.