Woodbine at a glance
- Population: 1,059, the 294th-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,062 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 0.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 294th-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 45% of Georgia places in population terms (US Census Bureau).
- Coordinates: 30.9599, -81.7181 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Kingsland, GA (9 mi); St. Marys, GA (16 mi); Folkston, GA (19 mi); Brunswick, GA (19 mi); Hilliard, FL (22 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Homeland, GA (19 mi); Nahunta, GA (23 mi); Hoboken, GA (29 mi) (US Census Bureau).
What a personal loan costs in Woodbine
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Woodbine
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 |
|---|---|---|
| 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 Woodbine
Run through this list before signing anything in Woodbine:
- 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.