Kingston at a glance
- Population: the Census estimates 902 residents, ranking 318th of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 723 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 24.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 318th out of 536 Census places (US Census Bureau).
- Size percentile: larger than about 41% of the Census places in Georgia (US Census Bureau).
- Coordinates: 34.2320 latitude, -84.9445 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Euharlee, GA (6 mi); Cartersville, GA (9 mi); Adairsville, GA (10 mi); Emerson, GA (13 mi); Rome, GA (14 mi) (US Census Bureau).
- Smaller places nearby: Taylorsville, GA (10 mi); White, GA (12 mi); Plainville, GA (13 mi), per US Census Bureau estimates.
What a personal loan costs in Kingston
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Georgia lending rules that apply in Kingston
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kingston
The steps below are worth completing first when you borrow in Kingston:
- 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.