Statesboro at a glance
- Population: 34,452 people, the 33rd-largest place among Georgia's 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 33,434 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 3.0% higher than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: 33rd largest of 536 (US Census Bureau).
- Size percentile: about 94% of places in Georgia are smaller (US Census Bureau).
- Coordinates: mapped at 32.4377, -81.7756 by the US Census Bureau Gazetteer.
- Nearest larger cities: Hinesville, GA (43 mi); Savannah, GA (45 mi); Bluffton, SC (52 mi); Hilton Head Island, SC (63 mi); Summerville, SC (101 mi); US Census Bureau population estimates.
- Smaller places nearby: Brooklet, GA (7 mi); Register, GA (8 mi); Pulaski, GA (11 mi), per US Census Bureau estimates.
What a personal loan costs in Statesboro
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Georgia lending rules that apply in Statesboro
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Statesboro.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Statesboro
Run through this list before signing anything in Statesboro:
- 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.