Pendergrass at a glance
- Population: 1,805 residents, the 251st-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,694 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 6.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 251st by size among 536 communities (US Census Bureau).
- Size percentile: roughly 53% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 34.1659, -83.6789 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Jefferson, GA (5 mi); Hoschton, GA (7 mi); Braselton, GA (9 mi); Maysville, GA (9 mi); Arcade, GA (11 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Talmo, GA (2 mi); Gillsville, GA (10 mi); Carl, GA (14 mi), each a US Census place.
What a personal loan costs in Pendergrass
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Pendergrass
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 |
|---|---|---|
| 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 Pendergrass
The order below is a sensible way to approach a loan in Pendergrass:
- 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.