Holly Springs at a glance
- Population: the Census estimates 19,540 residents, ranking 53rd of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 16,372 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 19.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 53rd out of 536 Census places (US Census Bureau).
- Size percentile: it is larger than about 90% of the places in Georgia (US Census Bureau).
- Coordinates: 34.1672 / -84.4845, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Woodstock, GA (5 mi); Canton, GA (6 mi); Milton, GA (10 mi); Roswell, GA (12 mi); Kennesaw, GA (12 mi) (US Census Bureau populations).
- Nearest smaller communities: Mountain Park, GA (7 mi); Waleska, GA (11 mi); Ball Ground, GA (14 mi) (Census populations).
What a personal loan costs in Holly Springs
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Holly Springs
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Holly Springs
Run through this list before signing anything in Holly Springs:
- 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.