Personal loans in Folkston, GA

Folkston: population, trend and location

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

• Population: an estimated 4,684 residents, 152nd of 536 places in Georgia (Census Vintage 2023 subcounty estimate).
• Population trend: Up about 3.6% from the 2020 Census base to the 2023 estimate.
• Absolute change: 162 residents added between 2020 and 2023.
• Size percentile: roughly 72% of Georgia's places have fewer residents than Folkston's 4,684.
• Population density: about 1,118 people per square mile across 4.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Folkston ranks 207th among Georgia's 536 places, at 4.2 sq mi.
• Within Georgia: about 0.1% of the state's population lives in Folkston.
• National rank: Folkston sits 5,014th by population among the 19,457 places in this dataset.
• Growth rank: Folkston's 2020-to-2023 change ranks 185th of 536 places in Georgia.
• Against the state trend: Folkston's 3.6% change compares with a Georgia average of +3.4% across its 536 places.
• Density rank: Folkston places 101st among Georgia's places by people per square mile.
• Density in context: Folkston's 1,118 people per square mile sit against a Georgia median of 536.
• Location: 30.8391, -82.0073 (US Census Bureau Gazetteer).
• Nearest larger cities: Kingsland (13 mi); St. Marys (26 mi); Waycross (33 mi); Fernandina Beach (35 mi); Brunswick (38 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Homeland (2 mi); Hilliard (12 mi); Woodbine (19 mi).
• Within a 50-mile radius: 16 smaller Census places.
• Larger places within 100 miles: 38.

How lenders reach Folkston

Folkston is moderately settled, with about 1,118 people per square mile and 8 larger places within 50 miles. Whether Folkston has a local branch or not, a Georgia-licensed lender can serve its 4,684 people online on the same terms. The nearest bigger place is Kingsland, GA about 13 miles away.

Folkston in state context

Set beside Georgia's 536 places, Folkston ranks 152nd by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 185th of 536 Georgia places, putting it near the 65th percentile for growth. By density, at about 1,118 people per square mile, it ranks 101st in Georgia. Within 50 miles sit 16 smaller Census places, alongside the 8 that are larger.

A pre-application checklist for Folkston

Before you apply in Folkston, a community of about 4,684, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Georgia regulator's licence list.
5. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

The process is identical across Georgia; what changes is your credit file, not the fact that Folkston holds 4,684 people.

How Georgia law applies in Folkston

Every row below records a Georgia rule, its publisher and its retrieval date — the same rules a Folkston lender must follow.

How personal loans work in Folkston

In Folkston, a small community of about 4,684, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Folkston's rank of 152nd in Georgia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Folkston decides the split between a comfortable payment and the total interest you pay.