Marshallville at a glance
- Population: about 987 residents, ranking 301st of 536 Census places in Georgia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,044 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 5.5% since the 2020 count (US Census Bureau).
- Rank among Georgia places: the 301st-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 44% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: 32.4586 / -83.9398, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Fort Valley, GA (7 mi); Montezuma, GA (12 mi); Perry, GA (12 mi); Byron, GA (17 mi); Unadilla, GA (18 mi) (US Census Bureau).
- Nearest smaller places: Reynolds, GA (11 mi); Oglethorpe, GA (13 mi); Ideal, GA (16 mi) (US Census Bureau estimates).
What a personal loan costs in Marshallville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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 Marshallville
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Marshallville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Marshallville
The order below is a sensible way to approach a loan in Marshallville:
- 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.