Fayetteville at a glance
- Population: the Census estimates 20,083 residents, ranking 51st of 536 places in Georgia (Vintage 2023).
- 2020 Census base: 18,944 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 6.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 51st of 536 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 90% of places in Georgia are smaller (US Census Bureau).
- Coordinates: 33.4491 latitude, -84.4728 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Peachtree City, GA (7 mi); Union City, GA (11 mi); South Fulton, GA (14 mi); Stockbridge, GA (15 mi); East Point, GA (15 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Woolsey, GA (7 mi); Tyrone, GA (7 mi); Jonesboro, GA (8 mi) (US Census Bureau).
What a personal loan costs in Fayetteville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Georgia lending rules that apply in Fayetteville
The table lists the Georgia rules that apply to a loan made in Fayetteville, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fayetteville
Here is a short checklist for comparing personal loans in Fayetteville:
- 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.