Hoboken at a glance
- Population: 489, the 391st-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 482 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 1.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 391st in population of 536 places (US Census Bureau).
- Size percentile: about 27% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: 31.1805, -82.1309 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Nahunta, GA (9 mi); Blackshear, GA (10 mi); Waycross, GA (14 mi); Patterson, GA (14 mi); Screven, GA (22 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Offerman, GA (16 mi); Argyle, GA (32 mi); Odum, GA (35 mi) (US Census Bureau estimates).
What a personal loan costs in Hoboken
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Hoboken
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Hoboken.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hoboken
Here is a short checklist for comparing personal loans in Hoboken:
- 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.