Personal loans in Woodbine, GA

The trend for Woodbine between 2020 and 2023 is downward by roughly 0.3%. Woodbine is home to roughly 1,059 people and stands 294th by size out of 536 Census places in Georgia.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

If you are weighing a personal loan in Woodbine, start from the payment you can carry; its 1,059 residents face the same statewide rules. Begin with the payment, then weigh APR and total interest across the lenders that reach Woodbine's 1,059 residents. Rate ceilings, licensing requirements and product limits for Woodbine are all set at the Georgia level. The nearest larger city is Kingsland, GA about 9 miles away.

Woodbine: population, trend and location

Read the local figures below as context; read the sourced Georgia table as the rulebook a lender here must follow.

Where Woodbine sits in Georgia

Woodbine is the 294th-largest of 536 Census places in Georgia and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Woodbine stands 359th among Georgia's 536 places — roughly the 33th percentile. Its roughly 416 residents per square mile place it 327th among Georgia's places. Within 50 miles sit 6 smaller Census places, alongside the 15 that are larger.

The anatomy of a Woodbine personal loan

With roughly 1,059 residents, Woodbine is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Woodbine's rank of 294th in Georgia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Woodbine loan is knowable in advance — unlike a revolving card balance.

Where Woodbine sits

The Census Gazetteer records 2.5 square miles of land and 0.07 square miles of water within Woodbine. That land carries about 416 people per square mile. The largest place in Georgia, Atlanta, lies about 250 miles away. Counting outward 50 miles, 15 larger communities surround Woodbine. By land area it ranks 312th of 536 Georgia places.

Lender access in Woodbine

With about 416 residents per square mile, Woodbine is lightly settled, and 15 larger Census places sit within 50 miles. Distance to a branch rarely matters for Woodbine's 1,059 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Kingsland, GA about 9 miles away.

Which Georgia laws govern a loan in Woodbine

When Georgia does not publish a figure, the row links to the source instead of inventing a number; Woodbine is bound by the same rules.

RuleDetailSource
State lending regulatorGeorgia 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
Small-loan / installment lender licensingInstallment 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
Installment Loan Act rate cap10% 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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Woodbine if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Woodbine is the same as anywhere in Georgia.
What loan size can I expect in Woodbine?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Woodbine?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Woodbine cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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