Personal loans in Lyons, GA

The roughly 4,195 people who live in Lyons borrow under Georgia rules; city hall sets no personal-loan rate. Verify the lender's Georgia licence against the regulator named below before borrowing in Lyons. Rate ceilings, licensing requirements and product limits for Lyons are all set at the Georgia level. A larger market lies at Vidalia, GA about 5 miles away.

What the Census records for Lyons

What follows is Lyons's place in the Census record, alongside the Georgia rules that govern a personal loan made here.

• Population: 4,195 — Lyons ranks 158th of 536 communities in Georgia (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 1.1% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 46 residents.
• Size percentile: about 71% of Georgia's Census places are smaller than Lyons.
• Population density: 498 people per square mile on 8.4 square miles of land.
• By land area: Lyons ranks 120th among Georgia's 536 places, at 8.4 sq mi.
• Water: Lyons holds about 0.20 square miles, the 63rd-largest water area in Georgia.
• Share of Georgia: Lyons holds about 0.1% of the state's population, some 4,195 people.
• National rank: Lyons sits 5,329th by population among the 19,457 places in this dataset.
• Growth rank: Lyons ranks 407th among Georgia's 536 places for the 2020-to-2023 change.
• Against the state trend: Lyons's 1.1% change compares with a Georgia average of +3.4% across its 536 places.
• Density in Georgia: Lyons ranks 283rd by people per square mile.
• Density vs Georgia: Lyons's 498 people per square mile compare with a state median of 536.
• Location: 32.2049, -82.3212 (US Census Bureau Gazetteer).
• Nearest larger cities: Vidalia (5 mi); Swainsboro (26 mi); Glennville (29 mi); Baxley (30 mi); McRae-Helena (35 mi). Lenders licensed in the state serve Lyons whether or not they keep a local branch.
• Smaller places close by: Santa Claus (2 mi); Higgston (8 mi); Oak Park (11 mi).
• Smaller neighbours: 57 places smaller than Lyons sit within 50 miles.
• Larger places within 100 miles: 48.

Where Lyons sits

The Census Gazetteer records 8.4 square miles of land and 0.20 square miles of water within Lyons. The resulting density is about 498 people per square mile. Atlanta, the largest place in Georgia, is about 163 miles from Lyons. A 50-mile radius around Lyons takes in 10 places that are larger. The 100-mile radius contains 48 larger places.

Georgia consumer-lending rules applied in Lyons

The rows below set out what a licensed lender must follow in Georgia, and so for Lyons's roughly 4,195 residents.

The Lyons borrowing checklist

Before you apply in Lyons, a community of about 4,195, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Georgia licence with the regulator named above before committing.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Test the payment against your current bills before you commit.

The process is identical across Georgia; what changes is your credit file, not the fact that Lyons holds 4,195 people.

How lenders reach Lyons

Lyons is lightly settled, with about 498 people per square mile and 10 larger places within 50 miles. Lenders licensed in Georgia reach Lyons's 4,195 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Vidalia, GA about 5 miles away.

How a Lyons personal loan is priced

In Lyons, a small community of about 4,195, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Lyons can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Lyons loan but raises total interest, so the smallest payment is not the cheapest loan.