Personal loans in Sardis, GA
Two households in Sardis with comparable incomes can still be offered different rates; the city's 999 residents are not the reason. Sardis added about 0.3% to its population between the 2020 base and the 2023 estimate.
Sardis is one of 536 Census places in Georgia; its 999 residents put it at 299th. Compare APR, not the interest rate, because the APR folds in most fees on a Sardis loan. Consumer lending that reaches Sardis's 999 residents is governed by Georgia statute; no city ordinance changes it. The nearest larger metro is Millen, GA about 16 miles away.
Sardis: population, trend and location
Most of what governs a Sardis loan is written in Georgia law rather than in the city; the sourced notes below make that split concrete.
- Population: 999 residents; Sardis is the 299th-largest of 536 places in Georgia (US Census Bureau, Vintage 2023).
- Population trend: Up about 0.3% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 3 more since the 2020 base.
- Size percentile: roughly 44% of Georgia's places have fewer residents than Sardis's 999.
- Land and density: 1.5 square miles of land carry roughly 645 residents per square mile.
- By land area: Sardis ranks 402nd among Georgia's 536 places, at 1.5 sq mi.
- Water area: Sardis has 0.01 square miles of water, ranking 324th of 536 places in Georgia.
- State population share: Sardis accounts for about 0.0% of everyone in Georgia.
- National rank: Sardis is 10,208th of 19,457 places nationwide.
- Growth rank: Sardis ranks 328th among Georgia's 536 places for the 2020-to-2023 change.
- Against the state trend: Sardis's 0.3% change compares with a Georgia average of +3.4% across its 536 places.
- Density in Georgia: Sardis ranks 220th by people per square mile.
- Against the state median: Sardis runs about 645 residents per square mile, where the Georgia median is 536.
- Location: 32.9751 / -81.7615, per the US Census Bureau Gazetteer.
- Nearest larger cities: Millen (16 mi); Waynesboro (17 mi); Sylvania (17 mi); Jackson (24 mi); Allendale (26 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Girard (5 mi); Hiltonia (9 mi); Rocky Ford (22 mi), each with its own Census population profile.
- Smaller places within 50 miles: 40 of them.
- At 100 miles: 121 larger Census places fall inside that radius.
Sardis: area, density and distance
Inside Sardis's boundaries lie roughly 1.5 square miles of land and 0.01 square miles of water. Spread across it are roughly 645 residents per square mile. For the state's biggest city, Atlanta, the distance is roughly 163 miles. Within 50 miles of Sardis there are 32 larger Census places. Within the same 50 miles lie 40 smaller Census places.
Lender access in Sardis
Sardis is moderately settled, with about 645 people per square mile and 32 larger places within 50 miles. Distance to a branch rarely matters for Sardis's 999 residents: the application is online and the price follows your credit file. The nearest larger city, Millen, GA about 16 miles away.
Georgia consumer-lending rules applied in Sardis
This table holds the Georgia rate and licensing rules for consumer loans made to Sardis's 999 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 |
| 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 |
Inside a Sardis personal loan
With roughly 999 residents, Sardis is a small community; 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 Sardis. The term you choose in Sardis decides the split between a comfortable payment and the total interest you pay.
How Sardis compares across Georgia
Among Georgia's 536 places, Sardis sits at 299th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Sardis stands 328th among Georgia's 536 places — roughly the 39th percentile. By density, at about 645 people per square mile, it ranks 220th in Georgia. Between 2020 and 2023 the count changed by roughly 3 residents.
Common questions
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Nearby places
- Girard, GA — population 182
- Hiltonia, GA — population 314
- Millen, GA — population 2,960
- Sylvania, GA — population 2,630
- Waynesboro, GA — population 5,607
- Rocky Ford, GA — population 167
- Jackson, SC — population 1,604
- Snelling, SC — population 250