Homeland at a glance
- Population: the Census estimates 899 residents, ranking 319th of 536 places in Georgia (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 877 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 2.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 319th by size among 536 communities (US Census Bureau).
- Size percentile: it exceeds roughly 40% of Georgia's Census places by population (US Census Bureau).
- Coordinates: 30.8601, -82.0208 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Folkston, GA (2 mi); Hilliard, FL (13 mi); Kingsland, GA (14 mi); Woodbine, GA (19 mi); Callahan, FL (23 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Hoboken, GA (23 mi); Fargo, GA (35 mi); Patterson, GA (37 mi), per US Census Bureau estimates.
What a personal loan costs in Homeland
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Georgia lending rules that apply in Homeland
The table lists the Georgia rules that apply to a loan made in Homeland, each with the regulator that published it.
| 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 Homeland
Before you share your details with a lender in Homeland:
- 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.