Pavo at a glance
- Population: 607 residents, the 364th-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: 618 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 1.8% below the 2020 Census base (US Census Bureau).
- Rank among Georgia places: the 364th-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: about 32% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: latitude 30.9594, longitude -83.7393 (US Census Bureau Gazetteer).
- Nearest larger cities: Boston, GA (12 mi); Moultrie, GA (16 mi); Quitman, GA (16 mi); Thomasville, GA (16 mi); Ochlocknee, GA (18 mi); US Census Bureau population estimates.
- Smaller places close by: Barwick, GA (5 mi); Coolidge, GA (8 mi); Berlin, GA (10 mi) (US Census Bureau).
What a personal loan costs in Pavo
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Georgia lending rules that apply in Pavo
Read the table as the compliance picture for a lender serving Pavo: label, sourced figure, publisher and date.
| 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 Pavo
Run through this list before signing anything in Pavo:
- 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.