Personalloaned Compare rates

GA · city page

Personal loans in Screven, GA

For residents of Screven, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Screven has a Census-estimated population of 803, ranking 334th among the 536 Census places in Georgia. The sourced table below shows the Georgia rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Screven at a glance

  • Population: about 803, 334th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 769 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: an increase of about 4.4% since the 2020 count (US Census Bureau).
  • Rank among Georgia places: 334th largest of 536 (US Census Bureau).
  • Size percentile: about 38% of places in Georgia are smaller (US Census Bureau).
  • Coordinates: 31.4842, -82.0169 (US Census Bureau Gazetteer).
  • Nearest larger cities: Jesup, GA (10 mi); Blackshear, GA (19 mi); Nahunta, GA (19 mi); Ludowici, GA (23 mi); Alma, GA (27 mi); US Census Bureau population estimates.
  • Nearest smaller communities: Offerman, GA (8 mi); Patterson, GA (10 mi); Odum, GA (13 mi) (Census populations).

What a personal loan costs in Screven

A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.

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 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 Screven

The table lists the Georgia rules that apply to a loan made in Screven, each with the regulator that published it.

RuleDetailSource
Small-loan / installment lender licensingInstallment 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 regulatorGeorgia 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 cap10% 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 statusProhibited (payday lending illegal in Georgia)
Source says: "Payday lending is illegal in Georgia."
Georgia Department of Banking and Finance
as of 2026-09-16

How to compare offers in Screven

Before you share your details with a lender in Screven:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Georgia using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Screven?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Screven are the same as elsewhere in Georgia.
How much can I borrow with a personal loan in Screven?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Screven require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Screven hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related