Homerville at a glance
- Population: about 2,327, 220th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,342 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 0.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 220th in population of 536 places (US Census Bureau).
- Size percentile: roughly 59% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 31.0382, -82.7421.
- Nearest larger cities (120-mile radius): Lakeland, GA (20 mi); Echols County, GA (24 mi); Waycross, GA (26 mi); Nashville, GA (32 mi); Douglas, GA (33 mi) (US Census Bureau).
- Nearest smaller communities: Argyle, GA (6 mi); Du Pont, GA (8 mi); Pearson, GA (19 mi) (Census populations).
What a personal loan costs in Homerville
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Georgia lending rules that apply in Homerville
Read the table as the compliance picture for a lender serving Homerville: 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 Homerville
Here is a short checklist for comparing personal loans in Homerville:
- 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.