Personal loans in Patterson, GA
If you are weighing a personal loan in Patterson, start from the payment you can carry; its 773 residents face the same statewide rules.
Consumer lending that reaches Patterson's 773 residents is governed by Georgia statute; no city ordinance changes it. By population, Patterson sits at 339th in Georgia, with an estimated 773 residents. Judge Patterson offers on total cost, not on how quickly the money arrives. The 2020 count to the 2023 estimate shows about 2.5% growth in Patterson. The next larger city is Blackshear, GA about 10 miles away.
Local context for Patterson
Set out below is Patterson's local context next to the state-level rules that reach every lender here.
- Population: an estimated 773 residents, 339th of 536 places in Georgia (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 2.5% from 2020 to 2023.
- Net change: roughly 19 more people than the 2020 Census counted.
- Size percentile: roughly 37% of Georgia places rank below Patterson.
- Density: the Census land area of 2.6 sq mi holds about 293 people per square mile.
- Land area rank: Patterson's 2.6 square miles rank 307th of 536 places in Georgia.
- Water: Patterson holds about 0.01 square miles, the 356th-largest water area in Georgia.
- Within Georgia: about 0.0% of the state's population lives in Patterson.
- National rank: Patterson is the 11,341st most populous of the 19,457 Census places covered here.
- Growth rank: Patterson ranks 216th among Georgia's 536 places for the 2020-to-2023 change.
- Versus Georgia: the state average change is +3.4%, while Patterson moved 2.5%.
- Density in Georgia: Patterson ranks 388th by people per square mile.
- Against the state median: Patterson runs about 293 residents per square mile, where the Georgia median is 536.
- Location: 31.3849 / -82.1354, per the US Census Bureau Gazetteer.
- Nearest larger cities: Blackshear (10 mi); Screven (10 mi); Nahunta (15 mi); Waycross (18 mi); Jesup (20 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: Offerman (2 mi); Hoboken (14 mi); Odum (21 mi).
- Within a 50-mile radius: 9 smaller Census places.
- Within 100 miles: 106 places are larger than Patterson.
Patterson on the map
Patterson covers about 2.6 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 293 people per square mile. For the state's biggest city, Atlanta, the distance is roughly 211 miles. A 50-mile radius around Patterson takes in 28 places that are larger. Within the same 50 miles lie 9 smaller Census places.
Getting a loan in Patterson
At roughly 293 people per square mile, Patterson is lightly settled; 28 larger places lie within 50 miles. Whether Patterson has a local branch or not, a Georgia-licensed lender can serve its 773 people online on the same terms. The nearest larger city, Blackshear, GA about 10 miles away.
What shapes a Patterson personal loan
Most loans made to Patterson's 773 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Patterson can be quoted different APRs on the same amount and term. The term you choose in Patterson decides the split between a comfortable payment and the total interest you pay.
Patterson's place among Georgia's 536 places
Patterson is the 339th-largest of 536 Census places in Georgia and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 216th of 536 Georgia places, putting it near the 60th percentile for growth. At about 293 people per square mile, Patterson is the 388th most densely settled place in Georgia. By land area, its 2.6 square miles rank 307th of 536 places in Georgia.
How Georgia law applies in Patterson
For the roughly 773 residents of Patterson, 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 |
Common questions
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Nearby places
- Offerman, GA — population 460
- Blackshear, GA — population 3,646
- Screven, GA — population 803
- Hoboken, GA — population 489
- Nahunta, GA — population 1,028
- Waycross, GA — population 13,714
- Odum, GA — population 484
- Jesup, GA — population 10,065