Personal loans in Rome, GA

Rome added about 1.0% to its population between the 2020 base and the 2023 estimate. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Rome loan. The closest larger place is Woodstock, GA about 40 miles away. When Georgia caps or restricts a product, lenders either change the terms or withdraw it from Rome as from the rest of the state.

Rome by the numbers

Only a few things actually differ by place — population, area, location, and the Georgia rules a lender must follow — and they are below.

• Population: about 38,111 people live here, which puts Rome 26th of 536 Census places in Georgia (Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 1.0%.
• People gained or lost: about 376 more since the 2020 base.
• Size percentile: with 38,111 residents, Rome is larger than about 95% of Georgia's Census places.
• Population density: about 1,197 people per square mile (Census land area 31.8 sq mi).
• Land area: Rome covers 31.8 square miles, the 21st-largest area among Georgia's 536 places.
• Water: Rome holds about 0.76 square miles, the 22nd-largest water area in Georgia.
• State share: roughly 0.8% of Georgia's residents live in Rome (38,111 people).
• Nationally: Rome is the 1,053rd-largest of 19,457 Census places in the dataset.
• Growth in Georgia: Rome stands 285th by percentage change from 2020 to 2023, among 536 places.
• Versus Georgia: the state average change is +3.4%, while Rome moved 1.0%.
• Density in Georgia: Rome ranks 89th by people per square mile.
• Against the state median: Rome runs about 1,197 residents per square mile, where the Georgia median is 536.
• Location: mapped by the US Census Bureau at 34.2661, -85.1861.
• Nearest larger cities: Woodstock (40 mi); Marietta (43 mi); Douglasville (46 mi); Smyrna (47 mi); Roswell (50 mi). Online lenders reach Rome no matter how far the nearest branch is.
• Smaller towns nearby: Plainville (13 mi); Cave Spring (14 mi); Kingston (14 mi).
• Smaller neighbours: 88 places smaller than Rome sit within 50 miles.
• Within 100 miles: 23 places are larger than Rome.

How Rome compares across Georgia

Set beside Georgia's 536 places, Rome ranks 26th by population and holds about 0.8% of the state total. For population change between 2020 and 2023, Rome ranks 285th of 536 in Georgia (about the 47th percentile). At about 1,197 people per square mile, Rome is the 89th most densely settled place in Georgia. In land area, Rome ranks 21st among Georgia's 536 places.

The state rulebook for Rome

This table holds the Georgia rate and licensing rules for consumer loans made to Rome's 38,111 residents.

The geography behind Rome

Inside Rome's boundaries lie roughly 31.8 square miles of land and 0.76 square miles of water. Spread across it are roughly 1,197 residents per square mile. The largest place in Georgia, Atlanta, lies about 56 miles away. Rome has 4 larger places within a 50-mile radius. The 100-mile radius contains 23 larger places.

The Rome borrowing checklist

Before you hand your details to a lender in Rome, where the population is near 38,111:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Georgia regulator's licence list.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Rome as elsewhere in Georgia, the written terms — not the advertisement — are what count for its 38,111 residents.

How a Rome personal loan is priced

A Rome personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 38,111 residents. Two numbers drive a Rome loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Rome decides the split between a comfortable payment and the total interest you pay.