Tallulah Falls at a glance
- Population: 206 (US Census Bureau, Vintage 2023 subcounty estimate), the 486th-largest of 536 places in Georgia.
- 2020 Census base: 195 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 5.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 486th-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 9% of places in Georgia are smaller (US Census Bureau).
- Coordinates: latitude 34.7258, longitude -83.3875 (US Census Bureau Gazetteer).
- Nearest larger cities: Tiger, GA (9 mi); Clayton, GA (10 mi); Toccoa, GA (11 mi); Clarkesville, GA (11 mi); Mountain City, GA (14 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Salem, SC (26 mi); Starr, SC (46 mi); Lake Santeetlah, NC (52 mi) (US Census Bureau).
What a personal loan costs in Tallulah Falls
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Georgia lending rules that apply in Tallulah Falls
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| 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 Tallulah Falls
These steps are the ones that most affect the offer you receive in Tallulah Falls:
- 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.