Pulaski at a glance
- Population: 208 — 481st in Georgia, which has 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 213 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.3% below the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 481st largest of 536 (US Census Bureau).
- Size percentile: about 10% of places in Georgia are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.3907, -81.9534.
- Nearest larger cities (within 120 miles): Metter, GA (6 mi); Portal, GA (10 mi); Statesboro, GA (11 mi); Cobbtown, GA (13 mi); Stillmore, GA (16 mi) (US Census Bureau populations).
- Nearest smaller communities: Register, GA (5 mi); Bellville, GA (16 mi); Manassas, GA (16 mi) (Census populations).
What a personal loan costs in Pulaski
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Georgia lending rules that apply in Pulaski
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pulaski
The steps below are worth completing first when you borrow in Pulaski:
- 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.