Personal loans in Graham, GA

With an estimated 264 residents, Graham is the 461st-largest of 536 places in Georgia. A lender that serves Graham operates under Georgia lending statutes and a Georgia supervisor. Census figures show Graham holding steady across 2020 to 2023. The closest larger city is Hazlehurst, GA about 7 miles away.

Graham: population, trend and location

Most of what governs a Graham loan is written in Georgia law rather than in the city; the sourced notes below make that split concrete.

• Population: 264 people, a figure that places Graham 461st among the 536 Census places in Georgia (US Census Bureau, Vintage 2023).
• Population trend: About level with the 2020 Census.
• Size percentile: bigger than about 14% of the places in Georgia, with 264 residents in Graham.
• Density: roughly 152 residents per square mile, spread over 1.7 sq mi of land.
• By land area: Graham ranks 378th among Georgia's 536 places, at 1.7 sq mi.
• State share: roughly 0.0% of Georgia's residents live in Graham (264 people).
• Nationally: Graham is the 15,569th-largest of 19,457 Census places in the dataset.
• Growth rank: Graham ranks 344th among Georgia's 536 places for the 2020-to-2023 change.
• Versus Georgia: the state average change is +3.4%, while Graham moved 0.0%.
• Density in Georgia: Graham ranks 474th by people per square mile.
• Density vs Georgia: Graham's 152 people per square mile compare with a state median of 536.
• Location: 31.8249, -82.4976 (US Census Bureau Gazetteer).
• Nearest larger cities: Hazlehurst (7 mi); Baxley (10 mi); Lumber City (13 mi); Uvalda (15 mi); Alma (19 mi). Larger metros often have more branches, but online lenders reach Graham on the same terms.
• Smaller places nearby: Denton (14 mi); Alston (18 mi); Surrency (19 mi).
• Smaller places within 50 miles: 12 of them.
• Within 100 miles: 173 places are larger than Graham.

Graham on the map

Graham's land area is roughly 1.7 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 152 people per square mile. The largest place in Georgia, Atlanta, lies about 174 miles away. Graham has 48 larger places within a 50-mile radius. Within the same 50 miles lie 12 smaller Census places.

How Graham compares across Georgia

Against Georgia's other places, Graham accounts for about 0.0% of the state's population and ranks 461st of 536 by size. On the 2020-to-2023 trend, Graham stands 344th among Georgia's 536 places — roughly the 36th percentile. By density, at about 152 people per square mile, it ranks 474th in Georgia. Within 50 miles sit 12 smaller Census places, alongside the 48 that are larger.

What Georgia law requires in Graham

Every row below records a Georgia rule, its publisher and its retrieval date — the same rules a Graham lender must follow.

What to do before borrowing in Graham

A sensible order of operations for a loan in Graham, home to about 264 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Make sure the lender appears in the Georgia regulator's licence list.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

None of these steps is Graham-specific: the same Georgia licensing and disclosure rules reach all 264 residents.

How a Graham personal loan is priced

A Graham personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 264 residents. Two numbers drive a Graham loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Graham decides the split between a comfortable payment and the total interest you pay.