Berkeley Lake at a glance
- Population: 2,029, the 235th-largest community in Georgia out of 536 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,047 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down roughly 0.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 235th of 536 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 56% of Georgia places in population terms (US Census Bureau).
- Coordinates: 33.9814, -84.1856 (US Census Bureau Gazetteer).
- Nearest larger cities: Duluth, GA (2 mi); Peachtree Corners, GA (3 mi); Norcross, GA (3 mi); Johns Creek, GA (4 mi); Lilburn, GA (7 mi), each a US Census place with its estimated population.
- Smaller places nearby: Pine Lake, GA (13 mi); Mountain Park, GA (15 mi); Rest Haven, GA (16 mi), per US Census Bureau estimates.
What a personal loan costs in Berkeley Lake
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Georgia lending rules that apply in Berkeley Lake
The table carries the Georgia rate and licensing rules that apply to consumer loans made in Berkeley Lake.
| 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 Berkeley Lake
The order below is a sensible way to approach a loan in Berkeley Lake:
- 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.