Cedartown at a glance
- Population: about 10,300 residents, ranking 94th of 536 Census places in Georgia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 10,189 (US Census Bureau).
- 2020 to 2023 change: roughly 1.1% higher than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: the 94th-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: about 82% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 34.0217, -85.2475 by the US Census Bureau Gazetteer.
- Nearest larger cities: Rome, GA (17 mi); Dallas, GA (24 mi); Cartersville, GA (27 mi); Villa Rica, GA (28 mi); Carrollton, GA (32 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Cave Spring, GA (8 mi); Aragon, GA (11 mi); Rockmart, GA (12 mi) (US Census Bureau).
What a personal loan costs in Cedartown
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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 Cedartown
The table lists the Georgia rules that apply to a loan made in Cedartown, each with the regulator that published it.
| 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 |
| 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 |
How to compare offers in Cedartown
These steps are the ones that most affect the offer you receive in Cedartown:
- 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.