Trion at a glance
- Population: 1,969 (US Census Bureau, Vintage 2023 subcounty estimate), the 240th-largest of 536 places in Georgia.
- 2020 Census base: 1,966 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Georgia places: the 240th-largest of 536 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 55% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: latitude 34.5484, longitude -85.3108 (US Census Bureau Gazetteer).
- Nearest larger cities: Summerville, GA (5 mi); LaFayette, GA (11 mi); Rome, GA (21 mi); Calhoun, GA (22 mi); Fort Payne, AL (22 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Menlo, GA (11 mi); Lyerly, GA (11 mi); Mentone, AL (16 mi) (US Census Bureau estimates).
What a personal loan costs in Trion
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Georgia lending rules that apply in Trion
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Trion.
| 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 Trion
Before you share your details with a lender in Trion:
- 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.