Personal loans in Homeland, GA
Homeland is a small community of about 899 residents, and a personal loan taken out here is governed by Georgia statute. The Census estimates 899 residents in Homeland, which ranks it 319th of 536 places in Georgia.
Census figures put the 2020-to-2023 increase in Homeland at about 2.5%. Consumer lending that reaches Homeland's 899 residents is governed by Georgia statute; no city ordinance changes it. Pull your credit reports and line up at least three offers before you apply from Homeland. A larger market lies at Folkston, GA about 2 miles away.
Local context for Homeland
Two layers matter for a Homeland borrower: the local population picture and Georgia's consumer-lending statutes.
- Population: 899 residents; Homeland is the 319th-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 2.5% across the 2020-to-2023 comparison.
- Net change: roughly 22 more people than the 2020 Census counted.
- Size percentile: roughly 40% of Georgia's places have fewer residents than Homeland's 899.
- Land and density: 2.5 square miles of land carry roughly 360 residents per square mile.
- Land area rank: Homeland's 2.5 square miles rank 315th of 536 places in Georgia.
- State share: roughly 0.0% of Georgia's residents live in Homeland (899 people).
- Nationally: Homeland is the 10,697th-largest of 19,457 Census places in the dataset.
- Growth in Georgia: Homeland stands 218th by percentage change from 2020 to 2023, among 536 places.
- State comparison: Georgia's places average +3.4% for 2020-to-2023, against Homeland's 2.5%.
- Density rank: Homeland is the 348th most densely settled place in Georgia.
- Against the state median: Homeland runs about 360 residents per square mile, where the Georgia median is 536.
- Location: it lies at 30.8601, -82.0208 in the Census Gazetteer.
- Nearest larger cities: Folkston (2 mi); Hilliard (13 mi); Kingsland (14 mi); Woodbine (19 mi); Callahan (23 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Hoboken (23 mi); Fargo (35 mi); Patterson (37 mi), each with its own Census population profile.
- Smaller neighbours: 7 places smaller than Homeland sit within 50 miles.
- At 100 miles: 87 larger Census places fall inside that radius.
What Georgia law requires in Homeland
For the roughly 899 residents of Homeland, the rules below are Georgia's own; each row carries its publisher and retrieval date.
| 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 |
How Homeland compares across Georgia
Set beside Georgia's 536 places, Homeland ranks 319th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Homeland ranks 218th of 536 in Georgia (about the 59th percentile). At about 360 people per square mile, Homeland is the 348th most densely settled place in Georgia. The population moved by about 22 people between 2020 and 2023, a 2.5% shift.
Homeland: area, density and distance
Inside Homeland's boundaries lie about 2.5 square miles of land, with no significant water area recorded. That land carries about 360 people per square mile. For the state's biggest city, Atlanta, the distance is roughly 245 miles. Counting outward 50 miles, 16 larger communities surround Homeland. By land area it ranks 315th of 536 Georgia places.
What a Homeland borrower is actually offered
In Homeland, a small community of about 899, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Homeland's 899 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Homeland loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Borrowing reach in Homeland
Homeland is a lightly settled community of about 899 people, with 16 larger places inside a 50-mile radius. Lenders licensed in Georgia reach Homeland's 899 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Folkston, GA about 2 miles away.
Common questions
What are my options in Homeland if my credit is poor?
What loan size can I expect in Homeland?
Do I have to pledge anything to borrow in Homeland?
Does comparing loans in Homeland cost me credit score points?
Nearby places
- Folkston, GA — population 4,684
- Hilliard, FL — population 3,055
- Kingsland, GA — population 20,343
- Woodbine, GA — population 1,059
- Hoboken, GA — population 489
- Nahunta, GA — population 1,028
- Callahan, FL — population 1,798
- St. Marys, GA — population 19,537