Danville at a glance
- Population: 160, the 504th-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 168 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 4.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 504th by size among 536 communities (US Census Bureau).
- Size percentile: larger than about 6% of the Census places in Georgia (US Census Bureau).
- Coordinates: latitude 32.6060, longitude -83.2461 (US Census Bureau Gazetteer).
- Nearest larger cities: Allentown, GA (2 mi); Montrose, GA (6 mi); Jeffersonville, GA (8 mi); Dudley, GA (11 mi); Irwinton, GA (15 mi); US Census Bureau population estimates.
- Nearest smaller communities: Deepstep, GA (33 mi); Riddleville, GA (40 mi); Kite, GA (43 mi) (Census populations).
What a personal loan costs in Danville
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Georgia lending rules that apply in Danville
The Georgia rate caps and licensing rules that reach Danville are listed below, each with its source and retrieval date.
| 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 Danville
Before you commit to a personal loan in Danville, 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.