Clermont at a glance
- Population: 1,126 — 291st in Georgia, which has 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,013 (US Census Bureau).
- 2020 to 2023 change: an increase of about 11.2% since the 2020 count (US Census Bureau).
- Rank among Georgia places: the 291st-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 46% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 34.4801 latitude, -83.7704 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Cleveland, GA (8 mi); Lula, GA (8 mi); Dahlonega, GA (12 mi); Baldwin, GA (13 mi); Gainesville, GA (14 mi) (US Census Bureau populations).
- Smaller places nearby: Alto, GA (11 mi); Gillsville, GA (14 mi); Helen, GA (16 mi), per US Census Bureau estimates.
What a personal loan costs in Clermont
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Georgia lending rules that apply in Clermont
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Clermont
Before you commit to a personal loan in Clermont, 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.