Union Point at a glance
- Population: 1,789 — 253rd in Georgia, which has 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,599 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 11.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 253rd out of 536 Census places (US Census Bureau).
- Size percentile: about 53% of places in Georgia are smaller (US Census Bureau).
- Coordinates: 33.6188, -83.0750 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Greensboro, GA (8 mi); Washington, GA (21 mi); Madison, GA (23 mi); Watkinsville, GA (25 mi); Eatonton, GA (27 mi) (US Census Bureau).
- Nearest smaller towns: Woodville, GA (4 mi); Siloam, GA (5 mi); White Plains, GA (10 mi) — US Census Bureau populations.
What a personal loan costs in Union Point
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the 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.
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 Union Point
The Georgia rate caps and licensing rules that reach Union Point are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Union Point
Before you share your details with a lender in Union Point:
- 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.