Mansfield at a glance
- Population: a Census-estimated 469, placing it 395th among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 440 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 6.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 395th by size among 536 communities (US Census Bureau).
- Size percentile: larger than about 26% of the Census places in Georgia (US Census Bureau).
- Coordinates: latitude 33.5174, longitude -83.7346 (US Census Bureau Gazetteer).
- Nearest larger cities: Newborn, GA (2 mi); Covington, GA (9 mi); Social Circle, GA (9 mi); Porterdale, GA (10 mi); Rutledge, GA (10 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Shady Dale, GA (12 mi); Jersey, GA (14 mi); Bostwick, GA (20 mi) — US Census Bureau populations.
What a personal loan costs in Mansfield
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Mansfield
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 |
|---|---|---|
| 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 Mansfield
These steps are the ones that most affect the offer you receive in Mansfield:
- 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.