Ivey at a glance
- Population: 1,026 (US Census Bureau, Vintage 2023 subcounty estimate), the 296th-largest of 536 places in Georgia.
- 2020 Census base: 1,039 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down roughly 1.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 296th-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 45% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: 32.9099 latitude, -83.2998 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Gordon, GA (3 mi); Milledgeville, GA (13 mi); Gray, GA (15 mi); Macon-Bibb, GA (24 mi); Tennille, GA (28 mi) (US Census Bureau populations).
- Nearest smaller towns: McIntyre, GA (7 mi); Irwinton, GA (10 mi); Toomsboro, GA (14 mi) — US Census Bureau populations.
What a personal loan costs in Ivey
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Georgia lending rules that apply in Ivey
The table lists the Georgia rules that apply to a loan made in Ivey, 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 Ivey
Before you commit to a personal loan in Ivey, work through these steps:
- 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.