Jersey at a glance
- Population: 151 residents, the 509th-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: 144 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 4.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 509th of the state's 536 Census places (US Census Bureau).
- Size percentile: it is larger than about 5% of the places in Georgia (US Census Bureau).
- Coordinates: 33.7169 latitude, -83.8043 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Walnut Grove, GA (3 mi); Between, GA (7 mi); Social Circle, GA (7 mi); Oxford, GA (7 mi); Monroe, GA (7 mi) (US Census Bureau populations).
- Smaller places nearby: Rest Haven, GA (31 mi); Sharon, GA (59 mi); Gay, GA (62 mi), per US Census Bureau estimates.
What a personal loan costs in Jersey
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Jersey
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Jersey
These steps are the ones that most affect the offer you receive in Jersey:
- 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.