Rentz at a glance
- Population: 314 people, the 443rd-largest place among Georgia's 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 311 (US Census Bureau).
- 2020 to 2023 change: up roughly 1.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 443rd by size among 536 communities (US Census Bureau).
- Size percentile: about 17% of places in Georgia are smaller (US Census Bureau).
- Coordinates: 32.3829, -82.9918 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Cadwell, GA (4 mi); Dexter, GA (5 mi); Chester, GA (10 mi); Dublin, GA (11 mi); Dudley, GA (12 mi), each a US Census place with its estimated population.
- Smaller places close by: Montrose, GA (15 mi); Chauncey, GA (19 mi); Allentown, GA (20 mi) (US Census Bureau).
What a personal loan costs in Rentz
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Georgia lending rules that apply in Rentz
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Rentz
Here is a short checklist for comparing personal loans in Rentz:
- 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.