LaGrange at a glance
- Population: 32,343 people, the 35th-largest place among Georgia's 536 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 30,866 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 4.8% higher than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: the 35th-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 93% of Georgia's Census places by population (US Census Bureau).
- Coordinates: 33.0270, -85.0383 (US Census Bureau Gazetteer).
- Nearest larger cities: Newnan, GA (28 mi); Opelika, AL (32 mi); Columbus, GA (37 mi); Peachtree City, GA (37 mi); Auburn, AL (39 mi); US Census Bureau population estimates.
- Smaller places nearby: West Point, GA (11 mi); Hogansville, GA (12 mi); Lanett, AL (15 mi), per US Census Bureau estimates.
What a personal loan costs in LaGrange
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Georgia lending rules that apply in LaGrange
Each row below is a Georgia rule with its publisher and the date it was retrieved.
| 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 LaGrange
Run through this list before signing anything in LaGrange:
- 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.