Tybee Island at a glance
- Population: roughly 3,119 people; 192nd of 536 places in Georgia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,112 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 0.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: the 192nd-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 64% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 32.0102, -80.8559 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Hilton Head Island, SC (14 mi); Bluffton, SC (15 mi); Garden City, GA (20 mi); Savannah, GA (20 mi); Hardeeville, SC (22 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Thunderbolt, GA (11 mi); Vernonburg, GA (16 mi); Midway, GA (36 mi), per US Census Bureau estimates.
What a personal loan costs in Tybee Island
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Tybee Island
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Tybee Island.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tybee Island
Before you share your details with a lender in Tybee Island:
- 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.