Rocky Ford at a glance
- Population: the Census estimates 167 residents, ranking 502nd of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 166 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 0.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 502nd in population of 536 places (US Census Bureau).
- Size percentile: it exceeds roughly 6% of Georgia's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.6635, -81.8355.
- Nearest larger cities: Portal, GA (10 mi); Millen, GA (12 mi); Sylvania, GA (13 mi); Garfield, GA (15 mi); Statesboro, GA (16 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Register, GA (21 mi); Summertown, GA (26 mi); Nunez, GA (32 mi) (US Census Bureau).
What a personal loan costs in Rocky Ford
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Georgia lending rules that apply in Rocky Ford
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Rocky Ford.
| 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 Rocky Ford
A few practical steps will make the process in Rocky Ford 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.