Molena at a glance
- Population: a Census-estimated 421, placing it 410th among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 389 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: an increase of about 8.2% since the 2020 count (US Census Bureau).
- Rank among Georgia places: 410th-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 24% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: latitude 33.0141, longitude -84.5071 (US Census Bureau Gazetteer).
- Nearest larger cities: Woodbury, GA (5 mi); Zebulon, GA (11 mi); Greenville, GA (12 mi); Manchester, GA (13 mi); Warm Springs, GA (13 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Concord, GA (7 mi); Gay, GA (7 mi); Meansville, GA (12 mi) (US Census Bureau).
What a personal loan costs in Molena
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Georgia lending rules that apply in Molena
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Molena.
| 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 Molena
Before you commit to a personal loan in Molena, work through these steps:
- 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.