Tifton at a glance
- Population: 17,357 people, the 65th-largest place among Georgia's 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 17,061 (US Census Bureau).
- 2020 to 2023 change: population rose about 1.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 65th by size among 536 communities (US Census Bureau).
- Size percentile: roughly 88% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: mapped at 31.4621, -83.5205 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Albany, GA (39 mi); Valdosta, GA (45 mi); Thomasville, GA (51 mi); Perry, GA (71 mi); Warner Robins, GA (79 mi) (US Census Bureau populations).
- Smaller towns nearby: Ty Ty, GA (8 mi); Omega, GA (10 mi); Enigma, GA (13 mi) (US Census Bureau).
What a personal loan costs in Tifton
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.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Georgia lending rules that apply in Tifton
The table lists the Georgia rules that apply to a loan made in Tifton, each with the regulator that published it.
| 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 Tifton
Before you commit to a personal loan in Tifton, 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.