Graham at a glance
- Population: a Census-estimated 264, placing it 461st among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 264 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: no meaningful change since the 2020 count (US Census Bureau).
- Rank among Georgia places: 461st in population of 536 places (US Census Bureau).
- Size percentile: it exceeds roughly 14% of Georgia's Census places by population (US Census Bureau).
- Coordinates: 31.8249 latitude, -82.4976 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Hazlehurst, GA (7 mi); Baxley, GA (10 mi); Lumber City, GA (13 mi); Uvalda, GA (15 mi); Alma, GA (19 mi) (US Census Bureau populations).
- Smaller places close by: Denton, GA (14 mi); Alston, GA (18 mi); Surrency, GA (19 mi) (US Census Bureau).
What a personal loan costs in Graham
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Georgia lending rules that apply in Graham
Read the table as the compliance picture for a lender serving Graham: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Graham
Here is a short checklist for comparing personal loans in Graham:
- 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.