Whigham at a glance
- Population: the Census estimates 380 residents, ranking 422nd of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 423 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 10.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 422nd of the state's 536 Census places (US Census Bureau).
- Size percentile: roughly 21% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 30.8839, -84.3274 (US Census Bureau Gazetteer).
- Nearest larger cities: Cairo, GA (7 mi); Attapulgus, GA (13 mi); Bainbridge, GA (15 mi); Ochlocknee, GA (18 mi); Havana, FL (18 mi), each a US Census place with its estimated population.
- Nearest smaller places: Climax, GA (6 mi); Brinson, GA (25 mi); Iron City, GA (30 mi) (US Census Bureau estimates).
What a personal loan costs in Whigham
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Georgia lending rules that apply in Whigham
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Whigham
The steps below are worth completing first when you borrow in Whigham:
- 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.