Centralhatchee at a glance
- Population: 365, the 426th-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 341 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 7.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 426th-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 21% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 33.3689, -85.1037 in the US Census Bureau Gazetteer.
- Nearest larger cities: Franklin, GA (6 mi); Ephesus, GA (9 mi); Whitesburg, GA (14 mi); Bowdon, GA (15 mi); Carrollton, GA (15 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Roopville, GA (6 mi); Woodland, AL (17 mi); Lone Oak, GA (21 mi) (US Census Bureau).
What a personal loan costs in Centralhatchee
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Georgia lending rules that apply in Centralhatchee
The Georgia rate caps and licensing rules that reach Centralhatchee are listed below, each with its source and retrieval 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 Centralhatchee
Run through this list before signing anything in Centralhatchee:
- 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.