Jenkinsburg at a glance
- Population: roughly 417 people; 412th of 536 places in Georgia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 393 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 6.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 412th largest of 536 (US Census Bureau).
- Size percentile: it is larger than about 23% of the places in Georgia (US Census Bureau).
- Coordinates: mapped at 33.3206, -84.0373 by the US Census Bureau Gazetteer.
- Nearest larger cities: Locust Grove, GA (4 mi); Jackson, GA (4 mi); Flovilla, GA (9 mi); McDonough, GA (11 mi); Griffin, GA (15 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Orchard Hill, GA (14 mi); Sunny Side, GA (15 mi); Aldora, GA (20 mi) (Census populations).
What a personal loan costs in Jenkinsburg
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Jenkinsburg
The table lists the Georgia rules that apply to a loan made in Jenkinsburg, each with the regulator that published it.
| 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 Jenkinsburg
Run through this list before signing anything in Jenkinsburg:
- 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.