Personal loans in Waycross, GA

In Waycross, one of 536 Census places in Georgia, the figure to compare across lenders is the APR, not the advertised rate. Price two or three terms so you can see which payment is truly affordable in Waycross. Lenders active in Waycross report to a Georgia supervisor, identified in the sourced rows below. The next larger city is Kingsland, GA about 42 miles away.

Where Waycross stands

The figures below are Waycross's own — Census population, land area and coordinates — followed by the Georgia rules.

• Population: the Census counts 13,714 residents in Waycross (Vintage 2023 subcounty estimate), the 84th-largest figure among Georgia's 536 places.
• Population trend: A drop of about 1.6% from 2020 to 2023.
• Absolute change: 230 residents lost between 2020 and 2023.
• Size percentile: about 84% of Georgia communities are smaller than Waycross (13,714 residents).
• Population density: about 1,155 people per square mile (Census land area 11.9 sq mi).
• By land area: Waycross ranks 85th among Georgia's 536 places, at 11.9 sq mi.
• Water area rank: Waycross ranks 122nd among Georgia's 536 places, with 0.09 sq mi.
• State share: roughly 0.3% of Georgia's residents live in Waycross (13,714 people).
• National rank: Waycross sits 2,522nd by population among the 19,457 places in this dataset.
• Growth in Georgia: Waycross stands 429th by percentage change from 2020 to 2023, among 536 places.
• Versus Georgia: the state average change is +3.4%, while Waycross moved 1.6%.
• Density rank: Waycross places 96th among Georgia's places by people per square mile.
• Against the state median: Waycross runs about 1,155 residents per square mile, where the Georgia median is 536.
• Location: 31.2110 / -82.3577, per the US Census Bureau Gazetteer.
• Nearest larger cities: Kingsland (42 mi); Brunswick (53 mi); St. Marys (56 mi); Valdosta (60 mi); Hinesville (61 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Blackshear (8 mi); Hoboken (14 mi); Patterson (18 mi).
• Within a 50-mile radius: 30 smaller Census places.
• Within 100 miles: 16 places are larger than Waycross.

How lenders reach Waycross

With about 1,155 residents per square mile, Waycross is moderately settled, and 1 larger Census places sit within 50 miles. A Georgia licence lets a lender serve Waycross without a local office, so branch density does not change what its 13,714 residents are offered. For a larger market, the closest option is Kingsland, GA about 42 miles away.

How personal loans work in Waycross

Most loans made to Waycross's 13,714 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Waycross lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Waycross loan is knowable in advance — unlike a revolving card balance.

Waycross's place among Georgia's 536 places

Within Georgia, Waycross holds roughly 0.3% of all residents, the 84th-largest share among 536 places. On the 2020-to-2023 trend, Waycross stands 429th among Georgia's 536 places — roughly the 20th percentile. By density, at about 1,155 people per square mile, it ranks 96th in Georgia. The population moved by about 230 people between 2020 and 2023, a 1.6% shift.

Land, water and location for Waycross

Inside Waycross's boundaries lie roughly 11.9 square miles of land and 0.09 square miles of water. Spread across it are roughly 1,155 residents per square mile. The largest place in Georgia, Atlanta, lies about 213 miles away. Waycross has 1 larger places within a 50-mile radius. Within the same 50 miles lie 30 smaller Census places.

The state rulebook for Waycross

Georgia has no separate rate rule for Waycross; the sourced rows below are what reach every lender that serves its 13,714 people.