Personal loans in Kingsland, GA
Roughly 20,343 residents live in Kingsland, the 50th-largest community in Georgia. For a borrower among the roughly 20,343 residents of Kingsland, a personal loan is a tool whose cost turns on the terms, not the address. Verify the lender's Georgia licence against the regulator named below before borrowing in Kingsland. State law, not city hall, decides what a lender may do to Kingsland's roughly 20,343 residents, and a state regulator supervises it. Kingsland gained roughly 11.5% in population across the 2020-to-2023 comparison. The closest larger place is Jacksonville, FL about 36 miles away.
Kingsland: the sourced local profile
Read the local figures below as context; read the sourced Georgia table as the rulebook a lender here must follow.
- Population: 20,343 people, a figure that places Kingsland 50th among the 536 Census places in Georgia (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 11.5% across the 2020-to-2023 comparison.
- Absolute change: 2,100 residents added between 2020 and 2023.
- Size percentile: Kingsland sits ahead of around 91% of Georgia places, at 20,343 people.
- Population density: 454 people per square mile on 44.8 square miles of land.
- By land area: Kingsland ranks 12th among Georgia's 536 places, at 44.8 sq mi.
- Water: Kingsland holds about 0.22 square miles, the 53rd-largest water area in Georgia.
- Within Georgia: about 0.4% of the state's population lives in Kingsland.
- National standing: Kingsland ranks 1,858th of 19,457 US places.
- Growth rank: Kingsland's 2020-to-2023 change ranks 58th of 536 places in Georgia.
- Against the state trend: Kingsland's 11.5% change compares with a Georgia average of +3.4% across its 536 places.
- Density rank: Kingsland is the 309th most densely settled place in Georgia.
- Against the state median: Kingsland runs about 454 residents per square mile, where the Georgia median is 536.
- Location: latitude 30.8461, longitude -81.7909 (Census Gazetteer).
- Nearest larger cities: Jacksonville (36 mi); Jacksonville Beach (46 mi); Hinesville (69 mi); Gainesville (87 mi); Savannah (88 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Woodbine (9 mi); Folkston (13 mi); Hilliard (13 mi).
- Smaller places within 50 miles: 23 of them.
- Within 100 miles: 8 places are larger than Kingsland.
Kingsland: area, density and distance
Inside Kingsland's boundaries lie roughly 44.8 square miles of land and 0.22 square miles of water. Spread across it are roughly 454 residents per square mile. The state's population centre of gravity, Atlanta, is roughly 253 miles away. A 50-mile radius around Kingsland takes in 2 places that are larger. Within the same 50 miles lie 23 smaller Census places.
The state rulebook for Kingsland
Georgia has no separate rate rule for Kingsland; the sourced rows below are what reach every lender that serves its 20,343 people.
| 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 |
| Small-loan / installment lender licensing | Installment 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 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 |
Kingsland's place among Georgia's 536 places
Against Georgia's other places, Kingsland accounts for about 0.4% of the state's population and ranks 50th of 536 by size. On the 2020-to-2023 trend, Kingsland stands 58th among Georgia's 536 places — roughly the 89th percentile. At about 454 people per square mile, Kingsland is the 309th most densely settled place in Georgia. The population moved by about 2,100 people between 2020 and 2023, a 11.5% shift.
A pre-application checklist for Kingsland
Before you hand your details to a lender in Kingsland, where the population is near 20,343:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- 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.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
None of these steps is Kingsland-specific: the same Georgia licensing and disclosure rules reach all 20,343 residents.
Lender access in Kingsland
With about 454 residents per square mile, Kingsland is lightly settled, and 2 larger Census places sit within 50 miles. Distance to a branch rarely matters for Kingsland's 20,343 residents: the application is online and the price follows your credit file. The nearest bigger place is Jacksonville, FL about 36 miles away.
Common questions
What are my options in Kingsland if my credit is poor?
What loan size can I expect in Kingsland?
Do I have to pledge anything to borrow in Kingsland?
Does comparing loans in Kingsland cost me credit score points?
Nearby places
- Woodbine, GA — population 1,059
- Hilliard, FL — population 3,055
- Folkston, GA — population 4,684
- Homeland, GA — population 899
- St. Marys, GA — population 19,537
- Callahan, FL — population 1,798
- Fernandina Beach, FL — population 13,647
- Nahunta, GA — population 1,028