Pine Lake at a glance
- Population: about 749 residents, ranking 342nd of 536 Census places in Georgia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 772 (US Census Bureau).
- 2020 to 2023 change: about 3.0% below the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 342nd of 536 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 36% of Georgia's places have fewer residents (US Census Bureau).
- Coordinates: latitude 33.7907, longitude -84.2058 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Stone Mountain, GA (2 mi); Clarkston, GA (3 mi); Avondale Estates, GA (4 mi); Tucker, GA (4 mi); Decatur, GA (5 mi) (US Census Bureau populations).
- Smaller towns nearby: Between, GA (23 mi); Mountain Park, GA (23 mi); Jersey, GA (24 mi) (US Census Bureau).
What a personal loan costs in Pine Lake
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Georgia lending rules that apply in Pine Lake
The sourced rows below are the rules a licensed lender must follow when lending in Georgia, and therefore in Pine Lake.
| 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 |
| 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 |
| 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 |
How to compare offers in Pine Lake
Run through this list before signing anything in Pine Lake:
- 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.