Grantville at a glance
- Population: 3,278 residents, the 187th-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,101 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 5.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Georgia places: 187th in population of 536 places (US Census Bureau).
- Size percentile: roughly 65% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: 33.2371 / -84.8301, per the US Census Bureau Gazetteer.
- Nearest larger cities: Newnan, GA (10 mi); Senoia, GA (17 mi); Peachtree City, GA (18 mi); LaGrange, GA (19 mi); Tyrone, GA (21 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Lone Oak, GA (5 mi); Moreland, GA (5 mi); Luthersville, GA (5 mi) (US Census Bureau estimates).
What a personal loan costs in Grantville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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 repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Georgia lending rules that apply in Grantville
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| 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 Grantville
Run through this list before signing anything in Grantville:
- 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.