Personal loans in Woodland, GA
With roughly 299 residents, Woodland is a small community, and the lending rules its borrowers live under are written in Georgia, not by the city.
For the 299 people in Woodland, Georgia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. By population, Woodland sits at 448th in Georgia, with an estimated 299 residents. Judge Woodland offers on total cost, not on how quickly the money arrives. From the 2020 Census base to the 2023 estimate, the population declined by about 1.3%. The nearest larger metro is Manchester, GA about 6 miles away.
Woodland: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Georgia rules a lender must follow — and they are below.
- Population: about 299 people live here, which puts Woodland 448th of 536 Census places in Georgia (Vintage 2023).
- Population trend: About 1.3% below the 2020 Census base.
- People gained or lost: about 4 fewer since the 2020 base.
- Size percentile: Woodland's 299 people outrank roughly 16% of the places in Georgia.
- Density: the Census land area of 0.8 sq mi holds about 381 people per square mile.
- Land area rank: Woodland's 0.8 square miles rank 501st of 536 places in Georgia.
- State share: roughly 0.0% of Georgia's residents live in Woodland (299 people).
- National rank: Woodland is 15,135th of 19,457 places nationwide.
- Growth in Georgia: Woodland stands 419th by percentage change from 2020 to 2023, among 536 places.
- Against the state trend: Woodland's 1.3% change compares with a Georgia average of +3.4% across its 536 places.
- Density rank: Woodland is the 337th most densely settled place in Georgia.
- Density in context: Woodland's 381 people per square mile sit against a Georgia median of 536.
- Location: 32.7882 / -84.5612, per the US Census Bureau Gazetteer.
- Nearest larger cities: Manchester (6 mi); Talbotton (8 mi); Shiloh (8 mi); Warm Springs (10 mi); Waverly Hall (12 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Junction City (14 mi); Geneva (15 mi); Gay (21 mi), each with its own Census population profile.
- Within a 50-mile radius: 14 smaller Census places.
- Larger places within 100 miles: 257.
What Georgia law requires in Woodland
For the roughly 299 residents of Woodland, 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 |
What to do before borrowing in Woodland
These steps shape the offer you get in Woodland, a place of about 299 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Look the lender up in the Georgia regulator's licence records before you sign.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
What differs between Woodland and the rest of Georgia is not the process but the borrower's own file, among the 299 people here.
Woodland on the map
The Census Gazetteer records about 0.8 square miles of land within Woodland, with no significant water area listed. That land carries about 381 people per square mile. Atlanta, the largest place in Georgia, is about 68 miles from Woodland. Counting outward 50 miles, 60 larger communities surround Woodland. Within the same 50 miles lie 14 smaller Census places.
What shapes a Woodland personal loan
With roughly 299 residents, Woodland is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Woodland. A longer term lowers the monthly payment on a Woodland loan but raises total interest, so the smallest payment is not the cheapest loan.
Borrowing reach in Woodland
Woodland is lightly settled, with about 381 people per square mile and 60 larger places within 50 miles. A Georgia licence lets a lender serve Woodland without a local office, so branch density does not change what its 299 residents are offered. For a larger market, the closest option is Manchester, GA about 6 miles away.
Common questions
What are my options in Woodland if my credit is poor?
What loan size can I expect in Woodland?
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Does comparing loans in Woodland cost me credit score points?
Nearby places
- Manchester, GA — population 3,528
- Talbotton, GA — population 736
- Shiloh, GA — population 422
- Warm Springs, GA — population 443
- Waverly Hall, GA — population 667
- Woodbury, GA — population 865
- Geneva, GA — population 75
- Junction City, GA — population 137