Braswell at a glance
- Population: about 369, 425th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 367 (US Census Bureau).
- 2020 to 2023 change: about 0.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 425th in population of 536 places (US Census Bureau).
- Size percentile: roughly 21% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: 33.9835 latitude, -84.9584 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Rockmart, GA (5 mi); Aragon, GA (7 mi); Dallas, GA (8 mi); Euharlee, GA (11 mi); Hiram, GA (14 mi) (US Census Bureau).
- Smaller places nearby: Taylorsville, GA (7 mi); Edwardsville, AL (27 mi); Plainville, GA (29 mi), per US Census Bureau estimates.
What a personal loan costs in Braswell
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Braswell
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Braswell
A few practical steps will make the process in Braswell less costly:
- 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.