Tunnel Hill at a glance
- Population: the Census estimates 979 residents, ranking 303rd of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 973 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 0.6% since the 2020 count (US Census Bureau).
- Rank among Georgia places: 303rd of 536 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 43% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 34.8554 / -85.0368, per the US Census Bureau Gazetteer.
- Nearest larger cities: Varnell, GA (5 mi); Ringgold, GA (6 mi); Dalton, GA (7 mi); Fort Oglethorpe, GA (13 mi); Collegedale, TN (14 mi); US Census Bureau population estimates.
- Smaller places close by: Cohutta, GA (8 mi); Eton, GA (15 mi); Ridgeside, TN (17 mi) (US Census Bureau).
What a personal loan costs in Tunnel Hill
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Tunnel Hill
The Georgia rate caps and licensing rules that reach Tunnel Hill are listed below, each with its source and retrieval date.
| 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 Tunnel Hill
The steps below are worth completing first when you borrow in Tunnel Hill:
- 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.