Ellenton at a glance
- Population: 213 (US Census Bureau, Vintage 2023 subcounty estimate), the 478th-largest of 536 places in Georgia.
- 2020 Census base: 210 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 1.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 478th-largest of 536 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 11% of places in Georgia are smaller (US Census Bureau).
- Coordinates: 31.1767, -83.5871 (US Census Bureau Gazetteer).
- Nearest larger cities: Berlin, GA (8 mi); Norman Park, GA (9 mi); Sparks, GA (9 mi); Lenox, GA (9 mi); Adel, GA (10 mi); US Census Bureau population estimates.
- Nearest smaller communities: Rebecca, GA (44 mi); Du Pont, GA (44 mi); Argyle, GA (56 mi), each a US Census place.
What a personal loan costs in Ellenton
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Ellenton
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 |
|---|---|---|
| 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 Ellenton
The steps below are worth completing first when you borrow in Ellenton:
- 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.