Warrenton at a glance
- Population: about 1,875, 246th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,738 residents here (US Census Bureau).
- 2020 to 2023 change: up about 7.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 246th out of 536 Census places (US Census Bureau).
- Size percentile: roughly 54% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 33.4077 latitude, -82.6651 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Thomson, GA (11 mi); Harlem, GA (20 mi); Wrens, GA (21 mi); Washington, GA (23 mi); Grovetown, GA (27 mi) (US Census Bureau populations).
- Smaller places close by: Camak, GA (3 mi); Norwood, GA (4 mi); Gibson, GA (13 mi) (US Census Bureau).
What a personal loan costs in Warrenton
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our 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.
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 Warrenton
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Warrenton
A few practical steps will make the process in Warrenton 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.