Alapaha at a glance
- Population: about 490, 390th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 479 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 2.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 390th of the state's 536 Census places (US Census Bureau).
- Size percentile: roughly 27% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 31.3831 / -83.2237, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Enigma, GA (6 mi); Willacoochee, GA (11 mi); Nashville, GA (12 mi); Ocilla, GA (15 mi); Lenox, GA (17 mi) (US Census Bureau).
- Nearest smaller communities: Ambrose, GA (19 mi); Cecil, GA (25 mi); Ellenton, GA (26 mi), each a US Census place.
What a personal loan costs in Alapaha
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Georgia lending rules that apply in Alapaha
Read the table as the compliance picture for a lender serving Alapaha: label, sourced figure, publisher and date.
| 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 Alapaha
Before you commit to a personal loan in Alapaha, work through these steps:
- 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.