Talbotton at a glance
- Population: a Census-estimated 736, placing it 345th among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 739 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down about 0.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: the 345th-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 36% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 32.6772 latitude, -84.5406 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Manchester, GA (14 mi); Thomaston, GA (19 mi); Butler, GA (20 mi); Hamilton, GA (20 mi); Woodbury, GA (21 mi) (US Census Bureau).
- Nearest smaller communities: Geneva, GA (7 mi); Junction City, GA (7 mi); Woodland, GA (8 mi) (Census populations).
What a personal loan costs in Talbotton
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.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Georgia lending rules that apply in Talbotton
The table lists the Georgia rules that apply to a loan made in Talbotton, 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 Talbotton
Before you commit to a personal loan in Talbotton, work through these steps:
- 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.