White Plains at a glance
- Population: a Census-estimated 269, placing it 460th among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 241 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 11.6% since the 2020 count (US Census Bureau).
- Rank among Georgia places: 460th by size among 536 communities (US Census Bureau).
- Size percentile: it is larger than about 14% of the places in Georgia (US Census Bureau).
- Coordinates: 33.4803 latitude, -83.0363 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Crawfordville, GA (10 mi); Union Point, GA (10 mi); Greensboro, GA (11 mi); Woodville, GA (14 mi); Sparta, GA (15 mi) (US Census Bureau populations).
- Nearest smaller towns: Siloam, GA (5 mi); Sharon, GA (15 mi); Norwood, GA (19 mi) — US Census Bureau populations.
What a personal loan costs in White Plains
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 White Plains
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| 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 White Plains
These steps are the ones that most affect the offer you receive in White Plains:
- 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.