Personal loans in Hawkinsville, GA
The roughly 4,100 people who live in Hawkinsville borrow under Georgia rules; city hall sets no personal-loan rate. A 2020-to-2023 comparison shows Hawkinsville up by about 2.8%.
At about 4,100 residents, Hawkinsville is larger than roughly 70% of the places in Georgia. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Hawkinsville loan. Which products a lender may offer to Hawkinsville's 4,100 residents follows from the Georgia consumer-lending framework. The next larger city is Cochran, GA about 10 miles away.
Hawkinsville: population, trend and location
Hawkinsville is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 4,100 residents, 160th of 536 places in Georgia (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.8% more residents than the 2020 Census counted.
- Net change: roughly 110 more people than the 2020 Census counted.
- Size percentile: bigger than about 70% of the places in Georgia, with 4,100 residents in Hawkinsville.
- Population density: about 763 people per square mile across 5.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Hawkinsville's 5.4 square miles rank 171st of 536 places in Georgia.
- Within Georgia: about 0.1% of the state's population lives in Hawkinsville.
- Nationally: Hawkinsville is the 5,392nd-largest of 19,457 Census places in the dataset.
- Growth in Georgia: Hawkinsville stands 209th by percentage change from 2020 to 2023, among 536 places.
- Against the state trend: Hawkinsville's 2.8% change compares with a Georgia average of +3.4% across its 536 places.
- Density rank: Hawkinsville places 183rd among Georgia's places by people per square mile.
- Density vs Georgia: Hawkinsville's 763 people per square mile compare with a state median of 536.
- Location: coordinates 32.3012, -83.4789 (US Census Bureau Gazetteer).
- Nearest larger cities: Cochran (10 mi); Perry (19 mi); Eastman (19 mi); Warner Robins (23 mi); Centerville (26 mi). Lenders licensed in the state serve Hawkinsville whether or not they keep a local branch.
- Smaller towns nearby: Pineview (14 mi); Unadilla (15 mi); Pinehurst (18 mi).
- Within a 50-mile radius: 49 smaller Census places.
- Within 100 miles: 55 places are larger than Hawkinsville.
A practical checklist for Hawkinsville borrowers
Complete these steps first when you borrow in Hawkinsville (4,100 residents):
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Georgia licence with the regulator listed on this page.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
In Hawkinsville as elsewhere in Georgia, the written terms — not the advertisement — are what count for its 4,100 residents.
Lender access in Hawkinsville
Hawkinsville is moderately settled, with about 763 people per square mile and 14 larger places within 50 miles. Whether Hawkinsville has a local branch or not, a Georgia-licensed lender can serve its 4,100 people online on the same terms. The nearest larger city, Cochran, GA about 10 miles away.
Hawkinsville: area, density and distance
Inside Hawkinsville's boundaries lie about 5.4 square miles of land, with no significant water area recorded. The resulting density is about 763 people per square mile. The state's population centre of gravity, Atlanta, is roughly 115 miles away. Within 50 miles of Hawkinsville there are 14 larger Census places. The 100-mile radius contains 55 larger places.
What Georgia law requires in Hawkinsville
The rows below set out what a licensed lender must follow in Georgia, and so for Hawkinsville's roughly 4,100 residents.
| 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 |
Hawkinsville in state context
Set beside Georgia's 536 places, Hawkinsville ranks 160th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Hawkinsville ranks 209th of 536 in Georgia (about the 61th percentile). Its roughly 763 residents per square mile place it 183rd among Georgia's places. In land area, Hawkinsville ranks 171st among Georgia's 536 places.
Common questions
What are my options in Hawkinsville if my credit is poor?
What loan size can I expect in Hawkinsville?
Do I have to pledge anything to borrow in Hawkinsville?
Does comparing loans in Hawkinsville cost me credit score points?
Nearby places
- Cochran, GA — population 4,749
- Pineview, GA — population 453
- Unadilla, GA — population 3,169
- Pinehurst, GA — population 300
- Perry, GA — population 24,029
- Eastman, GA — population 5,568
- Chester, GA — population 1,477
- Warner Robins, GA — population 84,537