Springfield at a glance
- Population: 3,284 (US Census Bureau, Vintage 2023 subcounty estimate), the 186th-largest of 536 places in Georgia.
- 2020 Census base: the 2020 count put the population at 2,707 (US Census Bureau).
- 2020 to 2023 change: population rose about 21.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 186th by size among 536 communities (US Census Bureau).
- Size percentile: it exceeds roughly 65% of Georgia's Census places by population (US Census Bureau).
- Coordinates: 32.3722 / -81.3153, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Rincon, GA (7 mi); Port Wentworth, GA (14 mi); Hardeeville, SC (17 mi); Pooler, GA (19 mi); Garden City, GA (21 mi) (US Census Bureau).
- Smaller places nearby: Guyton, GA (5 mi); Oliver, GA (17 mi); Bloomingdale, GA (17 mi), per US Census Bureau estimates.
What a personal loan costs in Springfield
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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 repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Georgia lending rules that apply in Springfield
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 Springfield
A few practical steps will make the process in Springfield less costly:
- 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.