Personal loans in Cedartown, GA
Rate ceilings, licensing requirements and product limits for Cedartown are all set at the Georgia level. The roughly 10,300 people who live in Cedartown borrow under Georgia rules; city hall sets no personal-loan rate.
By population, Cedartown sits at 94th in Georgia, with an estimated 10,300 residents. Population in Cedartown climbed about 1.1% over the three years from 2020 to 2023. Judge Cedartown offers on total cost, not on how quickly the money arrives. The nearest larger metro is Rome, GA about 17 miles away.
Where Cedartown stands
What follows is Cedartown's place in the Census record, alongside the Georgia rules that govern a personal loan made here.
- Population: an estimated 10,300 residents, 94th of 536 places in Georgia (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 1.1%.
- People gained or lost: about 111 more since the 2020 base.
- Size percentile: bigger than about 82% of the places in Georgia, with 10,300 residents in Cedartown.
- Land and density: 9.1 square miles of land carry roughly 1,131 residents per square mile.
- By land area: Cedartown ranks 111th among Georgia's 536 places, at 9.1 sq mi.
- Water area rank: Cedartown ranks 224th among Georgia's 536 places, with 0.03 sq mi.
- Within Georgia: about 0.2% of the state's population lives in Cedartown.
- National rank: Cedartown is 3,084th of 19,457 places nationwide.
- Growth rank: Cedartown's 2020-to-2023 change ranks 278th of 536 places in Georgia.
- Versus Georgia: the state average change is +3.4%, while Cedartown moved 1.1%.
- Density rank: Cedartown is the 97th most densely settled place in Georgia.
- Against the state median: Cedartown runs about 1,131 residents per square mile, where the Georgia median is 536.
- Location: mapped by the US Census Bureau at 34.0217, -85.2475.
- Nearest larger cities: Rome (17 mi); Dallas (24 mi); Cartersville (27 mi); Villa Rica (28 mi); Carrollton (32 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Cave Spring (8 mi); Aragon (11 mi); Rockmart (12 mi), each with its own Census population profile.
- Within a 50-mile radius: 67 smaller Census places.
- Within 100 miles: 102 places are larger than Cedartown.
How Cedartown compares across Georgia
Against Georgia's other places, Cedartown accounts for about 0.2% of the state's population and ranks 94th of 536 by size. On the 2020-to-2023 trend, Cedartown stands 278th among Georgia's 536 places — roughly the 48th percentile. Its roughly 1,131 residents per square mile place it 97th among Georgia's places. Between 2020 and 2023 the count changed by roughly 111 residents.
How Georgia law applies in Cedartown
Below are the Georgia rules that apply to a loan made in Cedartown, each with the regulator that issued it.
| 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 |
| Small-loan / installment lender licensing | Installment lender license required for loans of $3,000 or less Source says: "any entity making loans of $3,000.00 or less to individuals must be licensed with the Department as an installment lender". | 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 |
Cedartown: area, density and distance
The Census Gazetteer records 9.1 square miles of land and 0.03 square miles of water within Cedartown. With 10,300 residents, the land area yields roughly 1,131 people per square mile. The state's population centre of gravity, Atlanta, is roughly 51 miles away. Cedartown has 23 larger places within a 50-mile radius. The 100-mile radius contains 102 larger places.
How personal loans work in Cedartown
With roughly 10,300 residents, Cedartown is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Cedartown. Shortening the term on a Cedartown loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
How lenders reach Cedartown
At roughly 1,131 people per square mile, Cedartown is moderately settled; 23 larger places lie within 50 miles. Distance to a branch rarely matters for Cedartown's 10,300 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Rome, GA about 17 miles away.
Common questions
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Nearby places
- Cave Spring, GA — population 1,204
- Aragon, GA — population 1,502
- Rockmart, GA — population 5,231
- Edwardsville, AL — population 212
- Buchanan, GA — population 958
- Rome, GA — population 38,111
- Taylorsville, GA — population 258
- Tallapoosa, GA — population 3,201