Screven at a glance
- Population: about 803, 334th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 769 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 4.4% since the 2020 count (US Census Bureau).
- Rank among Georgia places: 334th largest of 536 (US Census Bureau).
- Size percentile: about 38% of places in Georgia are smaller (US Census Bureau).
- Coordinates: 31.4842, -82.0169 (US Census Bureau Gazetteer).
- Nearest larger cities: Jesup, GA (10 mi); Blackshear, GA (19 mi); Nahunta, GA (19 mi); Ludowici, GA (23 mi); Alma, GA (27 mi); US Census Bureau population estimates.
- Nearest smaller communities: Offerman, GA (8 mi); Patterson, GA (10 mi); Odum, GA (13 mi) (Census populations).
What a personal loan costs in Screven
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Screven
The table lists the Georgia rules that apply to a loan made in Screven, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Screven
Before you share your details with a lender in Screven:
- 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.