Hogansville at a glance
- Population: a Census-estimated 3,234, placing it 188th among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,263 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 0.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 188th by size among 536 communities (US Census Bureau).
- Size percentile: it is larger than about 65% of the places in Georgia (US Census Bureau).
- Coordinates: latitude 33.1670, longitude -84.9028 (US Census Bureau Gazetteer).
- Nearest larger cities: Grantville, GA (6 mi); LaGrange, GA (12 mi); Newnan, GA (16 mi); Senoia, GA (22 mi); West Point, GA (23 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Lone Oak, GA (5 mi); Luthersville, GA (10 mi); Moreland, GA (11 mi) (US Census Bureau estimates).
What a personal loan costs in Hogansville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
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 Hogansville
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hogansville
Run through this list before signing anything in Hogansville:
- 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.