Talmo at a glance
- Population: 290 residents, the 452nd-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 280 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 3.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 452nd of the state's 536 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 16% of Georgia's Census places by population (US Census Bureau).
- Coordinates: 34.1794 / -83.7174, per the US Census Bureau Gazetteer.
- Nearest larger cities: Pendergrass, GA (2 mi); Hoschton, GA (7 mi); Jefferson, GA (7 mi); Braselton, GA (7 mi); Gainesville, GA (10 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Carl, GA (13 mi); Rest Haven, GA (15 mi); Hull, GA (27 mi) (US Census Bureau).
What a personal loan costs in Talmo
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 every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Georgia lending rules that apply in Talmo
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Talmo
Before you commit to a personal loan in Talmo, 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.