Personal loans in Ocilla, GA
If you are weighing a personal loan in Ocilla, start from the payment you can carry; its 2,949 residents face the same statewide rules. Population in Ocilla dropped about 15.5% over the three years from 2020 to 2023.
Roughly 2,949 residents live in Ocilla, the 199th-largest community in Georgia. Pull your credit reports and line up at least three offers before you apply from Ocilla. A single loan can carry different costs on either side of a state line, and Ocilla sits on the Georgia side of that line. The closest larger place is Fitzgerald, GA about 8 miles away.
Ocilla: population, trend and location
What follows is Ocilla's place in the Census record, alongside the Georgia rules that govern a personal loan made here.
- Population: the Census counts 2,949 residents in Ocilla (Vintage 2023 subcounty estimate), the 199th-largest figure among Georgia's 536 places.
- Population trend: A loss of roughly 15.5% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 541 residents.
- Size percentile: with 2,949 residents, Ocilla is larger than about 63% of Georgia's Census places.
- Land and density: 2.5 square miles of land carry roughly 1,159 residents per square mile.
- Land area rank: Ocilla's 2.5 square miles rank 311th of 536 places in Georgia.
- State population share: Ocilla accounts for about 0.1% of everyone in Georgia.
- National rank: Ocilla sits 6,334th by population among the 19,457 places in this dataset.
- Growth rank: Ocilla's 2020-to-2023 change ranks 533rd of 536 places in Georgia.
- Versus Georgia: the state average change is +3.4%, while Ocilla moved 15.5%.
- Density rank: Ocilla places 95th among Georgia's places by people per square mile.
- Density in context: Ocilla's 1,159 people per square mile sit against a Georgia median of 536.
- Location: 31.5986, -83.2498 (Census Gazetteer coordinates).
- Nearest larger cities: Fitzgerald (8 mi); Tifton (19 mi); Douglas (24 mi); Ashburn (25 mi); Nashville (27 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Ambrose (14 mi); Enigma (14 mi); Alapaha (15 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 41 smaller Census places.
- At 100 miles: 56 larger Census places fall inside that radius.
Which Georgia laws govern a loan in Ocilla
When Georgia does not publish a figure, the row links to the source instead of inventing a number; Ocilla is bound by the same rules.
| 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 |
Ocilla against the rest of Georgia
Within Georgia, Ocilla holds roughly 0.1% of all residents, the 199th-largest share among 536 places. Its 2020-to-2023 change ranks 533rd of 536 Georgia places, putting it near the 1th percentile for growth. At about 1,159 people per square mile, Ocilla is the 95th most densely settled place in Georgia. By land area, its 2.5 square miles rank 311th of 536 places in Georgia.
The geography behind Ocilla
Ocilla covers about 2.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 2,949 residents, the land area yields roughly 1,159 people per square mile. For the state's biggest city, Atlanta, the distance is roughly 164 miles. A 50-mile radius around Ocilla takes in 15 places that are larger. Within the same 50 miles lie 41 smaller Census places.
The anatomy of a Ocilla personal loan
In Ocilla, a small community of about 2,949, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Ocilla can be quoted different APRs on the same amount and term. The term you choose in Ocilla decides the split between a comfortable payment and the total interest you pay.
Getting a loan in Ocilla
With about 1,159 residents per square mile, Ocilla is moderately settled, and 15 larger Census places sit within 50 miles. Lenders licensed in Georgia reach Ocilla's 2,949 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Fitzgerald, GA about 8 miles away.
Common questions
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Nearby places
- Fitzgerald, GA — population 8,942
- Enigma, GA — population 1,098
- Alapaha, GA — population 490
- Ambrose, GA — population 335
- Tifton, GA — population 17,357
- Rebecca, GA — population 206
- Willacoochee, GA — population 1,243
- Jacksonville, GA — population 106