Personal loans in Hiltonia, GA
An estimated 314 people make their home in Hiltonia, a figure that ranks 442nd in Georgia. Hiltonia counts about 314 people, and what is genuinely local about borrowing here is limited — Georgia law does the governing.
Population in Hiltonia climbed about 0.6% over the three years from 2020 to 2023. For a community of about 314, the practical step is to compare APR across at least three lenders before committing. For the 314 people in Hiltonia, Georgia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger metro is Sardis, GA about 9 miles away.
Hiltonia by the numbers
Read the local figures below as context; read the sourced Georgia table as the rulebook a lender here must follow.
- Population: a Census-estimated 314, 442nd among Georgia's 536 places (Vintage 2023).
- Population trend: A gain of roughly 0.6% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 2 residents.
- Size percentile: Hiltonia's 314 people outrank roughly 18% of the places in Georgia.
- Density: the Census land area of 1.7 sq mi holds about 182 people per square mile.
- Land area: Hiltonia covers 1.7 square miles, the 384th-largest area among Georgia's 536 places.
- Water: Hiltonia holds about 0.02 square miles, the 278th-largest water area in Georgia.
- State share: roughly 0.0% of Georgia's residents live in Hiltonia (314 people).
- National standing: Hiltonia ranks 14,963rd of 19,457 US places.
- Growth rank: Hiltonia's 2020-to-2023 change ranks 307th of 536 places in Georgia.
- Against the state trend: Hiltonia's 0.6% change compares with a Georgia average of +3.4% across its 536 places.
- Density in Georgia: Hiltonia ranks 452nd by people per square mile.
- Density in context: Hiltonia's 182 people per square mile sit against a Georgia median of 536.
- Location: it lies at 32.8833, -81.6615 in the Census Gazetteer.
- Nearest larger cities: Sardis (9 mi); Sylvania (9 mi); Millen (17 mi); Allendale (22 mi); Waynesboro (25 mi). Online lenders reach Hiltonia no matter how far the nearest branch is.
- Smaller communities close by: Girard (11 mi); Rocky Ford (18 mi); Newington (22 mi), each with its own Census population profile.
- Smaller neighbours: 27 places smaller than Hiltonia sit within 50 miles.
- Within 100 miles: 181 places are larger than Hiltonia.
What a Hiltonia borrower is actually offered
With roughly 314 residents, Hiltonia is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Hiltonia loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Hiltonia loan but raises total interest, so the smallest payment is not the cheapest loan.
A pre-application checklist for Hiltonia
Complete these steps first when you borrow in Hiltonia (314 residents):
- Pull your credit reports first and correct any error before a lender sees the file.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Shop at least three lenders and judge them on APR and total cost.
- Make sure the lender appears in the Georgia regulator's licence list.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Be clear on what the loan is for and how it gets repaid.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
None of these steps is Hiltonia-specific: the same Georgia licensing and disclosure rules reach all 314 residents.
Hiltonia's place among Georgia's 536 places
Within Georgia, Hiltonia holds roughly 0.0% of all residents, the 442nd-largest share among 536 places. On the 2020-to-2023 trend, Hiltonia stands 307th among Georgia's 536 places — roughly the 43th percentile. By density, at about 182 people per square mile, it ranks 452nd in Georgia. The population moved by about 2 people between 2020 and 2023, a 0.6% shift.
What Georgia law requires in Hiltonia
When Georgia does not publish a figure, the row links to the source instead of inventing a number; Hiltonia is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 lenders reach Hiltonia
Hiltonia is a lightly settled community of about 314 people, with 40 larger places inside a 50-mile radius. Distance to a branch rarely matters for Hiltonia's 314 residents: the application is online and the price follows your credit file. The nearest larger city, Sardis, GA about 9 miles away.
Common questions
What are my options in Hiltonia if my credit is poor?
What loan size can I expect in Hiltonia?
Do I have to pledge anything to borrow in Hiltonia?
Does comparing loans in Hiltonia cost me credit score points?
Nearby places
- Sardis, GA — population 999
- Sylvania, GA — population 2,630
- Girard, GA — population 182
- Rocky Ford, GA — population 167
- Millen, GA — population 2,960
- Newington, GA — population 295
- Allendale, SC — population 2,490
- Oliver, GA — population 218