Personal loans in Ochlocknee, GA
Population in Ochlocknee climbed about 1.1% over the three years from 2020 to 2023. Roughly 673 residents live in Ochlocknee, the 354th-largest community in Georgia.
A lender serving Ochlocknee holds a Georgia licence and answers to a Georgia regulator; no city office is involved for its 673 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Ochlocknee loan. State law, not city hall, decides what a lender may do to Ochlocknee's roughly 673 residents, and a state regulator supervises it. A larger market lies at Meigs, GA about 7 miles away.
Borrowing in Ochlocknee: the local picture
Read the local figures below as context; read the sourced Georgia table as the rulebook a lender here must follow.
- Population: 673 — Ochlocknee ranks 354th of 536 communities in Georgia (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 1.1% across the 2020-to-2023 comparison.
- Net change: roughly 7 more people than the 2020 Census counted.
- Size percentile: about 34% of Georgia's Census places are smaller than Ochlocknee.
- Land and density: 0.9 square miles of land carry roughly 727 residents per square mile.
- By land area: Ochlocknee ranks 464th among Georgia's 536 places, at 0.9 sq mi.
- Water: Ochlocknee holds about 0.03 square miles, the 227th-largest water area in Georgia.
- State share: roughly 0.0% of Georgia's residents live in Ochlocknee (673 people).
- Nationally: Ochlocknee is the 11,971st-largest of 19,457 Census places in the dataset.
- Growth rank: Ochlocknee's 2020-to-2023 change ranks 281st of 536 places in Georgia.
- Against the state trend: Ochlocknee's 1.1% change compares with a Georgia average of +3.4% across its 536 places.
- Density in Georgia: Ochlocknee ranks 193rd by people per square mile.
- Against the state median: Ochlocknee runs about 727 residents per square mile, where the Georgia median is 536.
- Location: mapped by the US Census Bureau at 30.9754, -84.0506.
- Nearest larger cities: Meigs (7 mi); Thomasville (10 mi); Cairo (11 mi); Pelham (12 mi); Boston (20 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Coolidge (11 mi); Whigham (18 mi); Funston (18 mi).
- Smaller neighbours: 20 places smaller than Ochlocknee sit within 50 miles.
- Within 100 miles: 114 places are larger than Ochlocknee.
What a Ochlocknee borrower is actually offered
A Ochlocknee personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 673 residents. Because pricing is borrower-level, two people in Ochlocknee can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Ochlocknee loan is knowable in advance — unlike a revolving card balance.
Ochlocknee's place among Georgia's 536 places
Among Georgia's 536 places, Ochlocknee sits at 354th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Ochlocknee stands 281st among Georgia's 536 places — roughly the 48th percentile. By density, at about 727 people per square mile, it ranks 193rd in Georgia. Between 2020 and 2023 the count changed by roughly 7 residents.
What Georgia law requires in Ochlocknee
Every row below records a Georgia rule, its publisher and its retrieval date — the same rules a Ochlocknee lender must follow.
| 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 |
| 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 |
Getting a loan in Ochlocknee
Ochlocknee is a moderately settled community of about 673 people, with 32 larger places inside a 50-mile radius. A Georgia licence lets a lender serve Ochlocknee without a local office, so branch density does not change what its 673 residents are offered. The nearest bigger place is Meigs, GA about 7 miles away.
Ochlocknee on the map
Ochlocknee's land area is about 0.9 square miles; a further 0.03 square miles is water. Spread across it are roughly 727 residents per square mile. For the state's biggest city, Atlanta, the distance is roughly 194 miles. Counting outward 50 miles, 32 larger communities surround Ochlocknee. Within the same 50 miles lie 20 smaller Census places.
Common questions
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Nearby places
- Meigs, GA — population 928
- Thomasville, GA — population 18,558
- Pelham, GA — population 3,432
- Cairo, GA — population 10,007
- Coolidge, GA — population 529
- Funston, GA — population 411
- Sale City, GA — population 350
- Whigham, GA — population 380