Dallas at a glance
- Population: a Census-estimated 14,985, placing it 76th among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 14,053 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 6.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 76th of the state's 536 Census places (US Census Bureau).
- Size percentile: larger than about 86% of the Census places in Georgia (US Census Bureau).
- Coordinates: 33.9156 / -84.8416, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Powder Springs, GA (10 mi); Villa Rica, GA (14 mi); Acworth, GA (14 mi); Douglasville, GA (15 mi); Kennesaw, GA (15 mi) (US Census Bureau populations).
- Smaller places nearby: Hiram, GA (5 mi); Braswell, GA (8 mi); Austell, GA (13 mi), per US Census Bureau estimates.
What a personal loan costs in Dallas
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Georgia lending rules that apply in Dallas
The table lists the Georgia rules that apply to a loan made in Dallas, each with the regulator that published it.
| 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 Dallas
A few practical steps will make the process in Dallas less costly:
- 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.