Hiram at a glance
- Population: 5,353 (US Census Bureau, Vintage 2023 subcounty estimate), the 133rd-largest of 536 places in Georgia.
- 2020 Census base: 4,925 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 8.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: the 133rd-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 75% of the Census places in Georgia (US Census Bureau).
- Coordinates: 33.8908 latitude, -84.7505 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Powder Springs, GA (4 mi); Dallas, GA (5 mi); Austell, GA (8 mi); Douglasville, GA (11 mi); Kennesaw, GA (12 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Braswell, GA (14 mi); Emerson, GA (17 mi); Rockmart, GA (19 mi) (US Census Bureau).
What a personal loan costs in Hiram
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Georgia lending rules that apply in Hiram
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Hiram
Run through this list before signing anything in Hiram:
- 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.