Shady Dale at a glance
- Population: 286 residents, the 455th-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 270 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 5.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 455th largest of 536 (US Census Bureau).
- Size percentile: about 15% of places in Georgia are smaller (US Census Bureau).
- Coordinates: latitude 33.3985, longitude -83.5894 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Monticello, GA (9 mi); Newborn, GA (10 mi); Mansfield, GA (12 mi); Eatonton, GA (13 mi); Madison, GA (14 mi) (US Census Bureau).
- Nearest smaller towns: Buckhead, GA (18 mi); Jersey, GA (25 mi); Siloam, GA (31 mi) — US Census Bureau populations.
What a personal loan costs in Shady Dale
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment 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.
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 Shady Dale
Read the table as the compliance picture for a lender serving Shady Dale: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Shady Dale
The steps below are worth completing first when you borrow in Shady Dale:
- 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.