Boston at a glance
- Population: the Census estimates 1,216 residents, ranking 281st of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 1,209 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 0.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 281st largest of 536 (US Census Bureau).
- Size percentile: about 48% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 30.7912, -83.7894 in the US Census Bureau Gazetteer.
- Nearest larger cities: Thomasville, GA (12 mi); Quitman, GA (14 mi); Monticello, FL (18 mi); Cairo, GA (25 mi); Moultrie, GA (27 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Barwick, GA (8 mi); Pavo, GA (12 mi); Coolidge, GA (16 mi) (Census populations).
What a personal loan costs in Boston
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Georgia lending rules that apply in Boston
The table lists the Georgia rules that apply to a loan made in Boston, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Boston
Before you share your details with a lender in Boston:
- 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.