Personal loans in Plains, GA
Plains is a small community in Georgia, with an estimated 552 residents, and every licensed lender here follows the same state rulebook.
For the 552 people in Plains, Georgia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The Census counts 552 people in Plains, the 375th-largest figure among Georgia's 536 places. Price two or three terms so you can see which payment is truly affordable in Plains. Plains lost roughly 3.0% of its population across the 2020-to-2023 comparison. For a bigger market, look to Webster County, GA about 9 miles away.
Plains: the sourced local profile
The figures below are Plains's own — Census population, land area and coordinates — followed by the Georgia rules.
- Population: 552 people, a figure that places Plains 375th among the 536 Census places in Georgia (US Census Bureau, Vintage 2023).
- Population trend: Down about 3.0% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 17 fewer people than the 2020 Census counted.
- Size percentile: roughly 30% of Georgia places rank below Plains.
- Population density: about 678 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Plains covers 0.8 square miles, the 478th-largest area among Georgia's 536 places.
- Share of state population: Plains's 552 residents are about 0.0% of Georgia.
- National rank: Plains sits 12,756th by population among the 19,457 places in this dataset.
- Growth in Georgia: Plains stands 476th by percentage change from 2020 to 2023, among 536 places.
- State comparison: Georgia's places average +3.4% for 2020-to-2023, against Plains's 3.0%.
- Density rank: Plains places 208th among Georgia's places by people per square mile.
- Against the state median: Plains runs about 678 residents per square mile, where the Georgia median is 536.
- Location: 32.0331, -84.3945 (Census Gazetteer coordinates).
- Nearest larger cities: Webster County (9 mi); Americus (10 mi); Smithville (12 mi); Ellaville (15 mi); Richland (16 mi). Lenders licensed in the state serve Plains whether or not they keep a local branch.
- Nearest smaller places: Parrott (12 mi); Bronwood (14 mi); Andersonville (18 mi).
- Smaller places within 50 miles: 17 of them.
- At 100 miles: 174 larger Census places fall inside that radius.
Where Plains sits in Georgia
Against Georgia's other places, Plains accounts for about 0.0% of the state's population and ranks 375th of 536 by size. On the 2020-to-2023 trend, Plains stands 476th among Georgia's 536 places — roughly the 11th percentile. By density, at about 678 people per square mile, it ranks 208th in Georgia. By land area, its 0.8 square miles rank 478th of 536 places in Georgia.
Before you apply in Plains
A sensible order of operations for a loan in Plains, home to about 552 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Make sure the lender appears in the Georgia regulator's licence list.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
None of these steps is Plains-specific: the same Georgia licensing and disclosure rules reach all 552 residents.
What is available to Plains borrowers
Plains is a moderately settled community of about 552 people, with 37 larger places inside a 50-mile radius. A Georgia licence lets a lender serve Plains without a local office, so branch density does not change what its 552 residents are offered. For a larger market, the closest option is Webster County, GA about 9 miles away.
What Georgia law requires in Plains
Read the table as a lender's compliance picture for Plains: 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 |
| 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 |
Where Plains sits
Plains's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 678 residents per square mile. Atlanta, the largest place in Georgia, is about 120 miles from Plains. Within 50 miles of Plains there are 37 larger Census places. By land area it ranks 478th of 536 Georgia places.
Common questions
What are my options in Plains if my credit is poor?
What loan size can I expect in Plains?
Do I have to pledge anything to borrow in Plains?
Does comparing loans in Plains cost me credit score points?
Nearby places
- Webster County, GA — population 2,337
- Americus, GA — population 15,703
- Parrott, GA — population 106
- Smithville, GA — population 617
- Bronwood, GA — population 315
- Ellaville, GA — population 1,541
- Dawson, GA — population 4,200
- Richland, GA — population 1,406