Oliver at a glance
- Population: 218 (US Census Bureau, Vintage 2023 subcounty estimate), the 474th-largest of 536 places in Georgia.
- 2020 Census base: 215 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 474th out of 536 Census places (US Census Bureau).
- Size percentile: ahead of around 12% of Georgia places in population terms (US Census Bureau).
- Coordinates: 32.5231 latitude, -81.5363 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Newington, GA (5 mi); Brooklet, GA (12 mi); Statesboro, GA (15 mi); Guyton, GA (16 mi); Springfield, GA (17 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Rocky Ford, GA (20 mi); Scotia, SC (20 mi); Register, GA (23 mi), each a US Census place.
What a personal loan costs in Oliver
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Oliver
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Oliver
The order below is a sensible way to approach a loan in Oliver:
- 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.