Poulan at a glance
- Population: 726, the 348th-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 753 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.6% below the 2020 Census base (US Census Bureau).
- Rank among Georgia places: the 348th-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: about 35% of places in Georgia are smaller (US Census Bureau).
- Coordinates: 31.5145 latitude, -83.7898 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Sylvester, GA (3 mi); Sycamore, GA (14 mi); Ashburn, GA (16 mi); Tifton, GA (16 mi); Omega, GA (17 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Sumner, GA (3 mi); Ty Ty, GA (9 mi); Doerun, GA (15 mi), each a US Census place.
What a personal loan costs in Poulan
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Poulan
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Poulan.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Poulan
These steps are the ones that most affect the offer you receive in Poulan:
- 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.