Webster County at a glance
- Population: roughly 2,337 people; 219th of 536 places in Georgia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,348 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 0.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 219th out of 536 Census places (US Census Bureau).
- Size percentile: roughly 59% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 32.0467 / -84.5538, per the US Census Bureau Gazetteer.
- Nearest larger cities: Americus, GA (19 mi); Dawson, GA (20 mi); Cuthbert, GA (24 mi); Cusseta-Chattahoochee County, GA (25 mi); Leesburg, GA (31 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Richland, GA (7 mi); Plains, GA (9 mi); Parrott, GA (11 mi) (Census populations).
What a personal loan costs in Webster County
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Georgia lending rules that apply in Webster County
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Webster County
The steps below are worth completing first when you borrow in Webster County:
- 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.