Personal loans in Stillmore, GA
For a borrower among the roughly 447 residents of Stillmore, a personal loan is a tool whose cost turns on the terms, not the address. Stillmore is one of 536 Census places in Georgia; its 447 residents put it at 405th.
Census figures put the 2020-to-2023 increase in Stillmore at about 0.7%. For the 447 people in Stillmore, Georgia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. If debt is already a strain, a nonprofit credit counsellor can help Stillmore residents before they take on more. For a bigger market, look to Oak Park, GA about 8 miles away.
Local context for Stillmore
Set out below is Stillmore's local context next to the state-level rules that reach every lender here.
- Population: 447 people, a figure that places Stillmore 405th among the 536 Census places in Georgia (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 0.7% between 2020 and 2023.
- Absolute change: 3 residents added between 2020 and 2023.
- Size percentile: Stillmore sits ahead of around 24% of Georgia places, at 447 people.
- Population density: about 145 people per square mile across 3.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Stillmore covers 3.1 square miles, the 281st-largest area among Georgia's 536 places.
- Water area: Stillmore has 0.11 square miles of water, ranking 109th of 536 places in Georgia.
- Share of Georgia: Stillmore holds about 0.0% of the state's population, some 447 people.
- Nationally: Stillmore is the 13,635th-largest of 19,457 Census places in the dataset.
- Growth rank: Stillmore ranks 305th among Georgia's 536 places for the 2020-to-2023 change.
- State comparison: Georgia's places average +3.4% for 2020-to-2023, against Stillmore's 0.7%.
- Density rank: Stillmore places 477th among Georgia's places by people per square mile.
- Density vs Georgia: Stillmore's 145 people per square mile compare with a state median of 536.
- Location: mapped by the US Census Bureau at 32.4416, -82.2145.
- Nearest larger cities: Oak Park (8 mi); Metter (9 mi); Twin City (10 mi); Swainsboro (12 mi); Lyons (18 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Nunez (8 mi); Cobbtown (12 mi); Pulaski (16 mi).
- Smaller neighbours: 28 places smaller than Stillmore sit within 50 miles.
- Larger places within 100 miles: 148.
Stillmore in state context
Within Georgia, Stillmore holds roughly 0.0% of all residents, the 405th-largest share among 536 places. For population change between 2020 and 2023, Stillmore ranks 305th of 536 in Georgia (about the 43th percentile). Its roughly 145 residents per square mile place it 477th among Georgia's places. Between 2020 and 2023 the count changed by roughly 3 residents.
A practical checklist for Stillmore borrowers
Before you apply in Stillmore, a community of about 447, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Look the lender up in the Georgia regulator's licence records before you sign.
- Weigh a shorter term's higher payment against the interest it saves.
- Borrow only what the purpose requires, not the maximum you are offered.
- Write down the purpose of the loan and your repayment plan before you apply.
What differs between Stillmore and the rest of Georgia is not the process but the borrower's own file, among the 447 people here.
Land, water and location for Stillmore
The Census Gazetteer records 3.1 square miles of land and 0.11 square miles of water within Stillmore. Spread across it are roughly 145 residents per square mile. Atlanta, the largest place in Georgia, is about 157 miles from Stillmore. Counting outward 50 miles, 39 larger communities surround Stillmore. Within the same 50 miles lie 28 smaller Census places.
How lenders reach Stillmore
At roughly 145 people per square mile, Stillmore is lightly settled; 39 larger places lie within 50 miles. A Georgia licence lets a lender serve Stillmore without a local office, so branch density does not change what its 447 residents are offered. For a larger market, the closest option is Oak Park, GA about 8 miles away.
Which Georgia laws govern a loan in Stillmore
For the roughly 447 residents of Stillmore, the rules below are Georgia's own; each row carries its publisher and retrieval 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 |
| 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 |
| Maximum legal interest rate (usury cap) | See the latest published figure value_text left null: Georgia's rate ceilings are set by O.C.G.A. Title 7, Chapter 4 (O.C.G.A. §§ 7-4-1 to 7-4-21); the Department of Banking and Finance does not publish the figure and the official code host could not be fetched, so no figure is asserted. | Georgia Department of Banking and Finance as of 2026-09-16 |
Common questions
What are my options in Stillmore if my credit is poor?
What loan size can I expect in Stillmore?
Do I have to pledge anything to borrow in Stillmore?
Does comparing loans in Stillmore cost me credit score points?
Nearby places
- Oak Park, GA — population 510
- Nunez, GA — population 132
- Twin City, GA — population 1,714
- Metter, GA — population 3,986
- Cobbtown, GA — population 342
- Swainsboro, GA — population 7,611
- Garfield, GA — population 250
- Lyons, GA — population 4,195