Kite at a glance
- Population: 158 residents, the 506th-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: 159 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.6% lower than the 2020 Census base (US Census Bureau).
- Rank among Georgia places: the 506th-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: about 6% of places in Georgia are smaller (US Census Bureau).
- Coordinates: 32.6915 / -82.5124, per the US Census Bureau Gazetteer.
- Nearest larger cities: Adrian, GA (12 mi); Wrightsville, GA (12 mi); Swainsboro, GA (13 mi); Bartow, GA (13 mi); Wadley, GA (14 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Summertown, GA (14 mi); Nunez, GA (17 mi); Riddleville, GA (17 mi) (Census populations).
What a personal loan costs in Kite
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Kite
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Kite
A few practical steps will make the process in Kite less costly:
- 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.