Mountain Park at a glance
- Population: 572 residents, the 371st-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: 586 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.4% below the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 371st of 536 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 31% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: mapped at 34.0830, -84.4136 by the US Census Bureau Gazetteer.
- Nearest larger cities: Roswell, GA (5 mi); Woodstock, GA (6 mi); Holly Springs, GA (7 mi); Milton, GA (7 mi); Alpharetta, GA (8 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Rest Haven, GA (25 mi); Talking Rock, GA (31 mi); Braswell, GA (32 mi) (US Census Bureau).
What a personal loan costs in Mountain Park
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Mountain Park
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Mountain Park
Here is a short checklist for comparing personal loans in Mountain Park:
- 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.