Stillmore at a glance
- Population: about 447 residents, ranking 405th of 536 Census places in Georgia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 444 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 0.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Georgia places: the 405th-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 24% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: 32.4416, -82.2145 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Oak Park, GA (8 mi); Metter, GA (9 mi); Twin City, GA (10 mi); Swainsboro, GA (12 mi); Lyons, GA (18 mi); US Census Bureau population estimates.
- Nearest smaller places: Nunez, GA (8 mi); Cobbtown, GA (12 mi); Pulaski, GA (16 mi) (US Census Bureau estimates).
What a personal loan costs in Stillmore
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Stillmore
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Stillmore.
| 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 Stillmore
The order below is a sensible way to approach a loan in Stillmore:
- 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.