Orchard Hill at a glance
- Population: 233 — 471st in Georgia, which has 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 221 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 5.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: the 471st-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 12% of Georgia places in population terms (US Census Bureau).
- Coordinates: 33.1852, -84.2120 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Milner, GA (5 mi); Griffin, GA (5 mi); Williamson, GA (8 mi); Zebulon, GA (10 mi); Barnesville, GA (10 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Aldora, GA (10 mi); Sunny Side, GA (12 mi); Woolsey, GA (17 mi) (US Census Bureau estimates).
What a personal loan costs in Orchard Hill
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Georgia lending rules that apply in Orchard Hill
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| 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 Orchard Hill
The order below is a sensible way to approach a loan in Orchard Hill:
- 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.