Woodland at a glance
- Population: about 299, 448th by size in Georgia of 536 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 303 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.3% below the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 448th of the state's 536 Census places (US Census Bureau).
- Size percentile: roughly 16% of places in Georgia rank below it by population (US Census Bureau).
- Coordinates: mapped at 32.7882, -84.5612 by the US Census Bureau Gazetteer.
- Nearest larger cities: Manchester, GA (6 mi); Talbotton, GA (8 mi); Shiloh, GA (8 mi); Warm Springs, GA (10 mi); Waverly Hall, GA (12 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Junction City, GA (14 mi); Geneva, GA (15 mi); Gay, GA (21 mi) (US Census Bureau estimates).
What a personal loan costs in Woodland
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Woodland
The table lists the Georgia rules that apply to a loan made in Woodland, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Woodland
Before you share your details with a lender in Woodland:
- 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.