Carrollton at a glance
- Population: 27,793 residents, the 41st-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 26,828 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 3.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Georgia places: 41st largest of 536 (US Census Bureau).
- Size percentile: about 92% of places in Georgia are smaller (US Census Bureau).
- Coordinates: mapped at 33.5818, -85.0833 by the US Census Bureau Gazetteer.
- Nearest larger cities: Newnan, GA (23 mi); Douglasville, GA (24 mi); South Fulton, GA (29 mi); Union City, GA (30 mi); Peachtree City, GA (32 mi); US Census Bureau population estimates.
- Nearest smaller communities: Mount Zion, GA (7 mi); Roopville, GA (9 mi); Bremen, GA (10 mi), each a US Census place.
What a personal loan costs in Carrollton
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Georgia lending rules that apply in Carrollton
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Carrollton
The steps below are worth completing first when you borrow in Carrollton:
- 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.