Gumbranch at a glance
- Population: a Census-estimated 254, placing it 464th among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 237 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 7.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 464th out of 536 Census places (US Census Bureau).
- Size percentile: it is larger than about 13% of the places in Georgia (US Census Bureau).
- Coordinates: mapped at 31.8367, -81.6838 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Hinesville, GA (4 mi); Allenhurst, GA (6 mi); Walthourville, GA (6 mi); Flemington, GA (7 mi); Ludowici, GA (9 mi) (US Census Bureau).
- Nearest smaller places: Daisy, GA (23 mi); Bellville, GA (28 mi); Manassas, GA (30 mi) (US Census Bureau estimates).
What a personal loan costs in Gumbranch
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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 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.
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 Gumbranch
The table lists the Georgia rules that apply to a loan made in Gumbranch, each with the regulator that published it.
| 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 Gumbranch
These steps are the ones that most affect the offer you receive in Gumbranch:
- 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.