Personal loans in Lake City, GA
With roughly 2,896 residents, Lake City is a small community, and the lending rules its borrowers live under are written in Georgia, not by the city.
Verify the lender's Georgia licence against the regulator named below before borrowing in Lake City. About 2,896 people live in Lake City, placing it 204th of 536 Census places in Georgia. For the 2,896 people in Lake City, Georgia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Lake City shed about 2.3% of its population between the 2020 base and the 2023 estimate. The nearest larger city is Forest Park, GA about 1 miles away.
Where Lake City stands
The figures below are Lake City's own — Census population, land area and coordinates — followed by the Georgia rules.
- Population: the Census counts 2,896 residents in Lake City (Vintage 2023 subcounty estimate), the 204th-largest figure among Georgia's 536 places.
- Population trend: A drop of about 2.3% from 2020 to 2023.
- People gained or lost: about 67 fewer since the 2020 base.
- Size percentile: roughly 62% of Georgia's places have fewer residents than Lake City's 2,896.
- Population density: about 1,562 people per square mile (Census land area 1.9 sq mi).
- Land area rank: Lake City's 1.9 square miles rank 361st of 536 places in Georgia.
- State share: roughly 0.1% of Georgia's residents live in Lake City (2,896 people).
- National rank: Lake City sits 6,386th by population among the 19,457 places in this dataset.
- Growth rank: Lake City's 2020-to-2023 change ranks 453rd of 536 places in Georgia.
- Versus Georgia: the state average change is +3.4%, while Lake City moved 2.3%.
- Density rank: Lake City is the 62nd most densely settled place in Georgia.
- Density in context: Lake City's 1,562 people per square mile sit against a Georgia median of 536.
- Location: 33.6065, -84.3412 (US Census Bureau Gazetteer).
- Nearest larger cities: Forest Park (1 mi); Morrow (2 mi); Riverdale (5 mi); Hapeville (5 mi); Jonesboro (6 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Pine Lake (15 mi); Lithonia (15 mi); Woolsey (17 mi).
- Within a 50-mile radius: 51 smaller Census places.
- Larger places within 100 miles: 151.
What is available to Lake City borrowers
With about 1,562 residents per square mile, Lake City is moderately settled, and 88 larger Census places sit within 50 miles. A Georgia licence lets a lender serve Lake City without a local office, so branch density does not change what its 2,896 residents are offered. The nearest bigger place is Forest Park, GA about 1 miles away.
Which Georgia laws govern a loan in Lake City
Read the table as a lender's compliance picture for Lake City: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 |
Lake City: area, density and distance
Lake City covers about 1.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 2,896 residents, the land area yields roughly 1,562 people per square mile. The largest place in Georgia, Atlanta, lies about 12 miles away. Counting outward 50 miles, 88 larger communities surround Lake City. Within the same 50 miles lie 51 smaller Census places.
How Lake City compares across Georgia
Among Georgia's 536 places, Lake City sits at 204th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Lake City ranks 453rd of 536 in Georgia (about the 15th percentile). Its roughly 1,562 residents per square mile place it 62nd among Georgia's places. In land area, Lake City ranks 361st among Georgia's 536 places.
Inside a Lake City personal loan
With roughly 2,896 residents, Lake City is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Lake City loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Lake City decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Forest Park, GA — population 19,368
- Morrow, GA — population 6,395
- Riverdale, GA — population 14,672
- Jonesboro, GA — population 6,140
- Hapeville, GA — population 6,691
- College Park, GA — population 13,867
- Stockbridge, GA — population 35,452
- East Point, GA — population 38,115