Personal loans in St. Marys, GA

From the 2020 Census base to the 2023 estimate, the population rose by about 5.8%. Decide the purpose of the loan and your repayment plan before sharing any details with a St. Marys lender. A lender that serves St. Marys operates under Georgia lending statutes and a Georgia supervisor. For a bigger market, look to Kingsland, GA about 14 miles away.

St. Marys by the numbers

St. Marys is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: 19,537 people, a figure that places St. Marys 54th among the 536 Census places in Georgia (US Census Bureau, Vintage 2023).
• Population trend: Up about 5.8% from the 2020 Census base to the 2023 estimate.
• Absolute change: 1,068 residents added between 2020 and 2023.
• Size percentile: roughly 90% of Georgia places rank below St. Marys.
• Population density: about 765 people per square mile across 25.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: St. Marys ranks 27th among Georgia's 536 places, at 25.5 sq mi.
• Water area rank: St. Marys ranks 9th among Georgia's 536 places, with 2.19 sq mi.
• Share of Georgia: St. Marys holds about 0.4% of the state's population, some 19,537 people.
• National rank: St. Marys sits 1,919th by population among the 19,457 places in this dataset.
• Growth rank: St. Marys ranks 119th among Georgia's 536 places for the 2020-to-2023 change.
• Against the state trend: St. Marys's 5.8% change compares with a Georgia average of +3.4% across its 536 places.
• Density rank: St. Marys is the 181st most densely settled place in Georgia.
• Density in context: St. Marys's 765 people per square mile sit against a Georgia median of 536.
• Location: coordinates 30.7567, -81.5784 (US Census Bureau Gazetteer).
• Nearest larger cities: Kingsland (14 mi); Jacksonville (29 mi); Jacksonville Beach (35 mi); Hinesville (74 mi); Palm Coast (87 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Fernandina Beach (10 mi); Woodbine (16 mi); Callahan (20 mi), each with its own Census population profile.
• Smaller neighbours: 16 places smaller than St. Marys sit within 50 miles.
• Within 100 miles: 8 places are larger than St. Marys.

How lenders reach St. Marys

St. Marys is moderately settled, with about 765 people per square mile and 3 larger places within 50 miles. A Georgia licence lets a lender serve St. Marys without a local office, so branch density does not change what its 19,537 residents are offered. The nearest bigger place is Kingsland, GA about 14 miles away.

The anatomy of a St. Marys personal loan

Most loans made to St. Marys's 19,537 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a St. Marys lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a St. Marys loan but raises total interest, so the smallest payment is not the cheapest loan.

Where St. Marys sits

Inside St. Marys's boundaries lie roughly 25.5 square miles of land and 2.19 square miles of water. With 19,537 residents, the land area yields roughly 765 people per square mile. For the state's biggest city, Atlanta, the distance is roughly 266 miles. Counting outward 50 miles, 3 larger communities surround St. Marys. Within the same 50 miles lie 16 smaller Census places.

Georgia rules behind a St. Marys personal loan

Below are the Georgia rules that apply to a loan made in St. Marys, each with the regulator that issued it.

How St. Marys compares across Georgia

Against Georgia's other places, St. Marys accounts for about 0.4% of the state's population and ranks 54th of 536 by size. On the 2020-to-2023 trend, St. Marys stands 119th among Georgia's 536 places — roughly the 78th percentile. At about 765 people per square mile, St. Marys is the 181st most densely settled place in Georgia. The population moved by about 1,068 people between 2020 and 2023, a 5.8% shift.