McIntyre at a glance
- Population: about 565 residents, ranking 374th of 536 Census places in Georgia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 576 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 1.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 374th out of 536 Census places (US Census Bureau).
- Size percentile: larger than about 30% of the Census places in Georgia (US Census Bureau).
- Coordinates: 32.8468 / -83.2133, per the US Census Bureau Gazetteer.
- Nearest larger cities: Ivey, GA (7 mi); Gordon, GA (7 mi); Jeffersonville, GA (13 mi); Milledgeville, GA (17 mi); Gray, GA (22 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Irwinton, GA (3 mi); Toomsboro, GA (8 mi); Oconee, GA (15 mi), per US Census Bureau estimates.
What a personal loan costs in McIntyre
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.
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.
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 McIntyre
The Georgia rate caps and licensing rules that reach McIntyre are listed below, each with its source and retrieval date.
| 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 McIntyre
A few practical steps will make the process in McIntyre less costly:
- 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.