Personal loans in Alma, GA

The Alma data picture

The figures below are Alma's own — Census population, land area and coordinates — followed by the Georgia rules.

• Population: the Census counts 3,472 residents in Alma (Vintage 2023 subcounty estimate), the 181st-largest figure among Georgia's 536 places.
• Population trend: Roughly 1.0% more residents than the 2020 Census counted.
• Net change: roughly 36 more people than the 2020 Census counted.
• Size percentile: Alma's 3,472 people outrank roughly 66% of the places in Georgia.
• Land and density: 6.1 square miles of land carry roughly 570 residents per square mile.
• Land area: Alma covers 6.1 square miles, the 156th-largest area among Georgia's 536 places.
• Water area: Alma has 0.12 square miles of water, ranking 94th of 536 places in Georgia.
• Share of Georgia: Alma holds about 0.1% of the state's population, some 3,472 people.
• National rank: Alma sits 5,851st by population among the 19,457 places in this dataset.
• Growth in Georgia: Alma stands 282nd by percentage change from 2020 to 2023, among 536 places.
• Versus Georgia: the state average change is +3.4%, while Alma moved 1.0%.
• Density rank: Alma places 251st among Georgia's places by people per square mile.
• Density vs Georgia: Alma's 570 people per square mile compare with a state median of 536.
• Location: 31.5433 / -82.4756, per the US Census Bureau Gazetteer.
• Nearest larger cities: Baxley (17 mi); Blackshear (22 mi); Douglas (22 mi); Hazlehurst (23 mi); Waycross (24 mi). Living near a larger metro rarely changes what is available in Alma.
• Nearest smaller towns: Nicholls (10 mi); Denton (18 mi); Graham (19 mi).
• Within a 50-mile radius: 35 smaller Census places.
• Larger places within 100 miles: 48.

The state rulebook for Alma

Every row below records a Georgia rule, its publisher and its retrieval date — the same rules a Alma lender must follow.

Alma against the rest of Georgia

Alma is the 181st-largest of 536 Census places in Georgia and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 282nd of 536 Georgia places, putting it near the 47th percentile for growth. At about 570 people per square mile, Alma is the 251st most densely settled place in Georgia. Between 2020 and 2023 the count changed by roughly 36 residents.

The anatomy of a Alma personal loan

Alma is a small community of about 3,472 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Alma's rank of 181st in Georgia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Alma loan but raises total interest, so the smallest payment is not the cheapest loan.

Alma: area, density and distance

The Census Gazetteer records 6.1 square miles of land and 0.12 square miles of water within Alma. Spread across it are roughly 570 residents per square mile. For the state's biggest city, Atlanta, the distance is roughly 191 miles. Alma has 11 larger places within a 50-mile radius. Within the same 50 miles lie 35 smaller Census places.

A practical checklist for Alma borrowers

For Alma's roughly 3,472 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Georgia licence with the regulator listed on this page.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Alma as elsewhere in Georgia, the written terms — not the advertisement — are what count for its 3,472 residents.