Barnesville at a glance
- Population: 6,329, the 122nd-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 6,121 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 3.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: 122nd by size among 536 communities (US Census Bureau).
- Size percentile: larger than about 77% of the Census places in Georgia (US Census Bureau).
- Coordinates: latitude 33.0487, longitude -84.1493 (US Census Bureau Gazetteer).
- Nearest larger cities: Thomaston, GA (15 mi); Griffin, GA (15 mi); Locust Grove, GA (21 mi); Hampton, GA (24 mi); McDonough, GA (27 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Aldora, GA (2 mi); Milner, GA (5 mi); Meansville, GA (9 mi), each a US Census place.
What a personal loan costs in Barnesville
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Georgia lending rules that apply in Barnesville
The Georgia rate caps and licensing rules that reach Barnesville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Payday lending status | Prohibited (payday lending illegal in Georgia) Source says: "Payday lending is illegal in Georgia." | 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 |
| 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 |
How to compare offers in Barnesville
Before you share your details with a lender in Barnesville:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Georgia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.