Forsyth at a glance
- Population: 4,901 people, the 147th-largest place among Georgia's 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,508 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 8.7% growth over the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 147th of 536 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 73% of places in Georgia are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.0394, -83.9344.
- Nearest larger cities: Barnesville, GA (12 mi); Jackson, GA (18 mi); Macon-Bibb, GA (21 mi); Locust Grove, GA (23 mi); Griffin, GA (24 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Aldora, GA (14 mi); Yatesville, GA (15 mi); Flovilla, GA (15 mi), each a US Census place.
What a personal loan costs in Forsyth
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Forsyth
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Forsyth
The steps below are worth completing first when you borrow in Forsyth:
- 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.