Milledgeville at a glance
- Population: 16,486 (US Census Bureau, Vintage 2023 subcounty estimate), the 68th-largest of 536 places in Georgia.
- 2020 Census base: 17,085 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 3.5% below the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 68th-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 87% of the places in Georgia (US Census Bureau).
- Coordinates: mapped at 33.0879, -83.2406 by the US Census Bureau Gazetteer.
- Nearest larger cities: Macon-Bibb, GA (33 mi); Warner Robins, GA (42 mi); Perry, GA (51 mi); McDonough, GA (58 mi); Conyers, GA (58 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Ivey, GA (13 mi); Gordon, GA (15 mi); Deepstep, GA (16 mi) (US Census Bureau).
What a personal loan costs in Milledgeville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Georgia lending rules that apply in Milledgeville
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Milledgeville.
| 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 Milledgeville
These steps are the ones that most affect the offer you receive in Milledgeville:
- 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.