Lithonia at a glance
- Population: roughly 2,583 people; 214th of 536 places in Georgia (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,666 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 3.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Georgia places: 214th by size among 536 communities (US Census Bureau).
- Size percentile: about 60% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: 33.7130, -84.1062 (US Census Bureau Gazetteer).
- Nearest larger cities: Stonecrest, GA (3 mi); Stone Mountain, GA (7 mi); Conyers, GA (8 mi); Avondale Estates, GA (10 mi); Clarkston, GA (10 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Pine Lake, GA (8 mi); Oxford, GA (15 mi); Walnut Grove, GA (15 mi) (US Census Bureau).
What a personal loan costs in Lithonia
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Georgia lending rules that apply in Lithonia
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
How to compare offers in Lithonia
The order below is a sensible way to approach a loan in Lithonia:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Georgia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.