Lumpkin at a glance
- Population: the Census estimates 919 residents, ranking 315th of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 884 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 4.0% higher than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: 315th by size among 536 communities (US Census Bureau).
- Size percentile: larger than about 41% of the Census places in Georgia (US Census Bureau).
- Coordinates: 32.0480, -84.7981 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Richland, GA (8 mi); Webster County, GA (14 mi); Georgetown-Quitman County, GA (18 mi); Cuthbert, GA (19 mi); Cusseta-Chattahoochee County, GA (21 mi); US Census Bureau population estimates.
- Nearest smaller towns: Parrott, GA (20 mi); Shellman, GA (23 mi); Plains, GA (24 mi) — US Census Bureau populations.
What a personal loan costs in Lumpkin
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Lumpkin
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Lumpkin
The order below is a sensible way to approach a loan in Lumpkin:
- 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.