Leary at a glance
- Population: 503 — 385th in Georgia, which has 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 526 residents here (US Census Bureau).
- 2020 to 2023 change: down about 4.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 385th out of 536 Census places (US Census Bureau).
- Size percentile: it is larger than about 28% of the places in Georgia (US Census Bureau).
- Coordinates: 31.4851, -84.5125 (US Census Bureau Gazetteer).
- Nearest larger cities: Morgan, GA (6 mi); Arlington, GA (13 mi); Edison, GA (14 mi); Newton, GA (15 mi); Shellman, GA (20 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Damascus, GA (18 mi); Sasser, GA (19 mi); Bluffton, GA (21 mi) — US Census Bureau populations.
What a personal loan costs in Leary
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 repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Georgia lending rules that apply in Leary
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| 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 Leary
These steps are the ones that most affect the offer you receive in Leary:
- 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.