Ludowici at a glance
- Population: 1,846 residents, the 247th-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,596 (US Census Bureau).
- 2020 to 2023 change: an increase of about 15.7% since the 2020 count (US Census Bureau).
- Rank among Georgia places: 247th largest of 536 (US Census Bureau).
- Size percentile: about 54% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: 31.7140, -81.7403 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Walthourville, GA (8 mi); Hinesville, GA (11 mi); Jesup, GA (12 mi); Glennville, GA (19 mi); Midway, GA (20 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Allenhurst, GA (9 mi); Gumbranch, GA (9 mi); Flemington, GA (14 mi) (Census populations).
What a personal loan costs in Ludowici
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Georgia lending rules that apply in Ludowici
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Ludowici
Run through this list before signing anything in Ludowici:
- 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.