Uvalda at a glance
- Population: the Census estimates 448 residents, ranking 403rd of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 442 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 1.4% since the 2020 count (US Census Bureau).
- Rank among Georgia places: 403rd by size among 536 communities (US Census Bureau).
- Size percentile: it exceeds roughly 25% of Georgia's Census places by population (US Census Bureau).
- Coordinates: mapped at 32.0381, -82.5075 by the US Census Bureau Gazetteer.
- Nearest larger cities: Ailey, GA (11 mi); Mount Vernon, GA (11 mi); Lumber City, GA (13 mi); Hazlehurst, GA (13 mi); Vidalia, GA (14 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Alston, GA (4 mi); Higgston, GA (13 mi); Santa Claus, GA (14 mi) — US Census Bureau populations.
What a personal loan costs in Uvalda
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Georgia lending rules that apply in Uvalda
The table lists the Georgia rules that apply to a loan made in Uvalda, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Uvalda
A few practical steps will make the process in Uvalda 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.