Waverly Hall at a glance
- Population: 667 people, the 356th-largest place among Georgia's 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 639 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 356th-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 34% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: 32.6829 latitude, -84.7283 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Hamilton, GA (10 mi); Talbotton, GA (11 mi); Manchester, GA (13 mi); Pine Mountain, GA (14 mi); Columbus, GA (15 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Shiloh, GA (9 mi); Woodland, GA (12 mi); Geneva, GA (13 mi) (US Census Bureau).
What a personal loan costs in Waverly Hall
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Georgia lending rules that apply in Waverly Hall
Read the table as the compliance picture for a lender serving Waverly Hall: label, sourced figure, publisher and 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 Waverly Hall
Here is a short checklist for comparing personal loans in Waverly Hall:
- 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.