Personal loans in Bartow, GA
Bartow, Georgia — home to about 179 people — is a small community, so the terms you are offered follow Georgia law rather than any local rule.
For the 179 people in Bartow, Georgia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. By population, Bartow sits at 499th in Georgia, with an estimated 179 residents. Work out your debt-to-income ratio first; lenders weigh it heavily, and Bartow's 179 residents are no exception. Population in Bartow dropped about 3.8% over the three years from 2020 to 2023. A larger market lies at Wadley, GA about 4 miles away.
What the Census records for Bartow
Here is the sourced Census picture for Bartow, plus the Georgia lending rules that apply to a loan taken out here.
- Population: the Census counts 179 residents in Bartow (Vintage 2023 subcounty estimate), the 499th-largest figure among Georgia's 536 places.
- Population trend: Roughly 3.8% fewer residents than the 2020 Census counted.
- Absolute change: 7 residents lost between 2020 and 2023.
- Size percentile: roughly 7% of Georgia's places have fewer residents than Bartow's 179.
- Population density: about 159 people per square mile (Census land area 1.1 sq mi).
- Land area: Bartow covers 1.1 square miles, the 437th-largest area among Georgia's 536 places.
- Share of Georgia: Bartow holds about 0.0% of the state's population, some 179 people.
- National rank: Bartow is the 16,791st most populous of the 19,457 Census places covered here.
- Growth rank: Bartow's 2020-to-2023 change ranks 493rd of 536 places in Georgia.
- State comparison: Georgia's places average +3.4% for 2020-to-2023, against Bartow's 3.8%.
- Density rank: Bartow places 468th among Georgia's places by people per square mile.
- Density in context: Bartow's 159 people per square mile sit against a Georgia median of 536.
- Location: 32.8812, -82.4723 (US Census Bureau Gazetteer).
- Nearest larger cities: Wadley (4 mi); Louisville (9 mi); Davisboro (10 mi); Midville (14 mi); Harrison (15 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller towns nearby: Riddleville (11 mi); Kite (13 mi); Summertown (15 mi).
- Smaller neighbours: 13 places smaller than Bartow sit within 50 miles.
- Within 100 miles: 235 places are larger than Bartow.
The geography behind Bartow
The Census Gazetteer records about 1.1 square miles of land within Bartow, with no significant water area listed. Spread across it are roughly 159 residents per square mile. For the state's biggest city, Atlanta, the distance is roughly 128 miles. Within 50 miles of Bartow there are 61 larger Census places. By land area it ranks 437th of 536 Georgia places.
Getting a loan in Bartow
Bartow is a lightly settled community of about 179 people, with 61 larger places inside a 50-mile radius. Lenders licensed in Georgia reach Bartow's 179 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Wadley, GA about 4 miles away.
Inside a Bartow personal loan
In Bartow, a small community of about 179, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Bartow. Shortening the term on a Bartow loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Bartow against the rest of Georgia
Set beside Georgia's 536 places, Bartow ranks 499th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 493rd of 536 Georgia places, putting it near the 8th percentile for growth. At about 159 people per square mile, Bartow is the 468th most densely settled place in Georgia. Within 50 miles sit 13 smaller Census places, alongside the 61 that are larger.
What Georgia law requires in Bartow
This table holds the Georgia rate and licensing rules for consumer loans made to Bartow's 179 residents.
| 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 |
| 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 |
| Payday lending status | Prohibited (payday lending illegal in Georgia) Source says: "Payday lending is illegal in Georgia." | Georgia Department of Banking and Finance as of 2026-09-16 |
Common questions
What are my options in Bartow if my credit is poor?
What loan size can I expect in Bartow?
Do I have to pledge anything to borrow in Bartow?
Does comparing loans in Bartow cost me credit score points?
Nearby places
- Wadley, GA — population 1,569
- Louisville, GA — population 2,289
- Davisboro, GA — population 1,939
- Riddleville, GA — population 77
- Kite, GA — population 158
- Summertown, GA — population 120
- Midville, GA — population 381
- Harrison, GA — population 322