Personal loans in Ambrose, GA

Ambrose is home to roughly 335 people and stands 434th by size out of 536 Census places in Georgia. For a borrower among the roughly 335 residents of Ambrose, a personal loan is a tool whose cost turns on the terms, not the address. The 2020 count to the 2023 estimate shows about 1.5% growth in Ambrose. Decide the purpose of the loan and your repayment plan before sharing any details with a Ambrose lender. Lenders active in Ambrose report to a Georgia supervisor, identified in the sourced rows below. A larger market lies at Broxton, GA about 8 miles away.

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.

Ambrose by the numbers

What follows is Ambrose's place in the Census record, alongside the Georgia rules that govern a personal loan made here.

The geography behind Ambrose

Ambrose covers about 3.0 square miles of land, with 0.08 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 110 residents per square mile. Atlanta, the largest place in Georgia, is about 171 miles from Ambrose. Ambrose has 44 larger places within a 50-mile radius. Within the same 50 miles lie 14 smaller Census places.

How a Ambrose personal loan is priced

In Ambrose, a small community of about 335, 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 Ambrose can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Ambrose loan is knowable in advance — unlike a revolving card balance.

Ambrose in state context

Set beside Georgia's 536 places, Ambrose ranks 434th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Ambrose ranks 260th of 536 in Georgia (about the 51th percentile). Its roughly 110 residents per square mile place it 499th among Georgia's places. The population moved by about 5 people between 2020 and 2023, a 1.5% shift.

How Georgia law applies in Ambrose

The rows below set out what a licensed lender must follow in Georgia, and so for Ambrose's roughly 335 residents.

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
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
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

Borrowing reach in Ambrose

Ambrose is lightly settled, with about 110 people per square mile and 44 larger places within 50 miles. A Georgia licence lets a lender serve Ambrose without a local office, so branch density does not change what its 335 residents are offered. The nearest bigger place is Broxton, GA about 8 miles away.

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 Ambrose 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 Ambrose is the same as anywhere in Georgia.
What loan size can I expect in Ambrose?
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 Ambrose?
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 Ambrose 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.

Nearby places

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