Woodbury at a glance
- Population: about 865, 322nd by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 907 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 4.6% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: 322nd-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 40% of Georgia's Census places by population (US Census Bureau).
- Coordinates: 32.9852, -84.5820 (US Census Bureau Gazetteer).
- Nearest larger cities: Manchester, GA (9 mi); Zebulon, GA (16 mi); Thomaston, GA (16 mi); Pine Mountain, GA (18 mi); Senoia, GA (22 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Molena, GA (5 mi); Gay, GA (8 mi); Greenville, GA (8 mi) (US Census Bureau estimates).
What a personal loan costs in Woodbury
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Woodbury
Read the table as the compliance picture for a lender serving Woodbury: label, sourced figure, publisher and date.
| 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 Woodbury
The steps below are worth completing first when you borrow in Woodbury:
- 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.