Personal loans in Lithonia, GA
State law, not city hall, decides what a lender may do to Lithonia's roughly 2,583 residents, and a state regulator supervises it.
Lithonia counts about 2,583 people, and what is genuinely local about borrowing here is limited — Georgia law does the governing. With an estimated 2,583 residents, Lithonia is the 214th-largest of 536 places in Georgia. From the 2020 Census base to the 2023 estimate, the population declined by about 3.1%. Begin with the payment, then weigh APR and total interest across the lenders that reach Lithonia's 2,583 residents. The closest larger place is Stonecrest, GA about 3 miles away.
Local context for Lithonia
Lithonia is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 2,583 people, a figure that places Lithonia 214th among the 536 Census places in Georgia (US Census Bureau, Vintage 2023).
- Population trend: Roughly 3.1% fewer residents than the 2020 Census counted.
- People gained or lost: about 83 fewer since the 2020 base.
- Size percentile: roughly 60% of Georgia places rank below Lithonia.
- Density: the Census land area of 0.9 sq mi holds about 2,783 people per square mile.
- Land area: Lithonia covers 0.9 square miles, the 463rd-largest area among Georgia's 536 places.
- State population share: Lithonia accounts for about 0.1% of everyone in Georgia.
- National standing: Lithonia ranks 6,743rd of 19,457 US places.
- Growth rank: Lithonia ranks 482nd among Georgia's 536 places for the 2020-to-2023 change.
- Versus Georgia: the state average change is +3.4%, while Lithonia moved 3.1%.
- Density rank: Lithonia places 21st among Georgia's places by people per square mile.
- Density vs Georgia: Lithonia's 2,783 people per square mile compare with a state median of 536.
- Location: latitude 33.7130, longitude -84.1062 (Census Gazetteer).
- Nearest larger cities: Stonecrest (3 mi); Stone Mountain (7 mi); Conyers (8 mi); Avondale Estates (10 mi); Clarkston (10 mi). Online lenders reach Lithonia no matter how far the nearest branch is.
- Smaller communities close by: Pine Lake (8 mi); Oxford (15 mi); Walnut Grove (15 mi), each with its own Census population profile.
- Within a 50-mile radius: 47 smaller Census places.
- Larger places within 100 miles: 148.
Borrowing reach in Lithonia
Lithonia is fairly dense, with about 2,783 people per square mile and 88 larger places within 50 miles. What is available to Lithonia's 2,583 borrowers is set by Georgia licensing and your own credit, not by how many branches are nearby. The nearest larger city, Stonecrest, GA about 3 miles away.
The anatomy of a Lithonia personal loan
In Lithonia, a small community of about 2,583, 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 Lithonia. Shortening the term on a Lithonia loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Land, water and location for Lithonia
The Census Gazetteer records about 0.9 square miles of land within Lithonia, with no significant water area listed. That land carries about 2,783 people per square mile. The state's population centre of gravity, Atlanta, is roughly 19 miles away. Lithonia has 88 larger places within a 50-mile radius. The 100-mile radius contains 148 larger places.
The state rulebook for Lithonia
Read the table as a lender's compliance picture for Lithonia: the rule, the sourced figure, the publisher and the 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 |
| 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 |
Lithonia's place among Georgia's 536 places
Within Georgia, Lithonia holds roughly 0.1% of all residents, the 214th-largest share among 536 places. For population change between 2020 and 2023, Lithonia ranks 482nd of 536 in Georgia (about the 10th percentile). Its roughly 2,783 residents per square mile place it 21st among Georgia's places. Within 50 miles sit 47 smaller Census places, alongside the 88 that are larger.
Common questions
What are my options in Lithonia if my credit is poor?
What loan size can I expect in Lithonia?
Do I have to pledge anything to borrow in Lithonia?
Does comparing loans in Lithonia cost me credit score points?
Nearby places
- Stonecrest, GA — population 60,677
- Stone Mountain, GA — population 6,553
- Pine Lake, GA — population 749
- Conyers, GA — population 19,505
- Tucker, GA — population 36,975
- Avondale Estates, GA — population 3,524
- Clarkston, GA — population 14,396
- Snellville, GA — population 22,067