Temple at a glance
- Population: the Census estimates 6,360 residents, ranking 121st of 536 places in Georgia (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 5,070 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 25.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 121st by size among 536 communities (US Census Bureau).
- Size percentile: roughly 77% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 33.7332, -85.0273 by the US Census Bureau Gazetteer.
- Nearest larger cities: Villa Rica, GA (6 mi); Bremen, GA (7 mi); Carrollton, GA (11 mi); Dallas, GA (17 mi); Douglasville, GA (19 mi); US Census Bureau population estimates.
- Nearest smaller places: Waco, GA (10 mi); Buchanan, GA (10 mi); Mount Zion, GA (11 mi) (US Census Bureau estimates).
What a personal loan costs in Temple
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Georgia lending rules that apply in Temple
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Temple.
| 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 Temple
A few practical steps will make the process in Temple 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.