Ocilla at a glance
- Population: the Census estimates 2,949 residents, ranking 199th of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 3,490 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 15.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 199th in population of 536 places (US Census Bureau).
- Size percentile: it exceeds roughly 63% of Georgia's Census places by population (US Census Bureau).
- Coordinates: latitude 31.5986, longitude -83.2498 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Fitzgerald, GA (8 mi); Tifton, GA (19 mi); Douglas, GA (24 mi); Ashburn, GA (25 mi); Nashville, GA (27 mi) (US Census Bureau).
- Nearest smaller communities: Ambrose, GA (14 mi); Enigma, GA (14 mi); Alapaha, GA (15 mi), each a US Census place.
What a personal loan costs in Ocilla
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Georgia lending rules that apply in Ocilla
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Ocilla.
| 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 Ocilla
Here is a short checklist for comparing personal loans in Ocilla:
- 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.