Moreland at a glance
- Population: about 382, 420th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 379 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 0.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 420th in population of 536 places (US Census Bureau).
- Size percentile: it is larger than about 22% of the places in Georgia (US Census Bureau).
- Coordinates: 33.2864 / -84.7696, per the US Census Bureau Gazetteer.
- Nearest larger cities: Grantville, GA (5 mi); Luthersville, GA (5 mi); Newnan, GA (6 mi); Turin, GA (8 mi); Hogansville, GA (11 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Sharpsburg, GA (8 mi); Lone Oak, GA (8 mi); Haralson, GA (12 mi) — US Census Bureau populations.
What a personal loan costs in Moreland
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Georgia lending rules that apply in Moreland
The table lists the Georgia rules that apply to a loan made in Moreland, each with the regulator that published it.
| 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 Moreland
Run through this list before signing anything in Moreland:
- 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.