Smithville at a glance
- Population: a Census-estimated 617, placing it 363rd among Georgia's 536 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 599 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.0% more residents than the 2020 Census base (US Census Bureau).
- Rank among Georgia places: 363rd out of 536 Census places (US Census Bureau).
- Size percentile: about 32% of Georgia's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 31.9011, -84.2552.
- Nearest larger cities (within 120 miles): Americus, GA (12 mi); Leesburg, GA (13 mi); Dawson, GA (14 mi); Webster County, GA (20 mi); Albany, GA (23 mi) (US Census Bureau populations).
- Nearest smaller communities: Bronwood, GA (8 mi); Leslie, GA (11 mi); De Soto, GA (12 mi), each a US Census place.
What a personal loan costs in Smithville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Smithville
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 |
|---|---|---|
| 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 Smithville
Run through this list before signing anything in Smithville:
- 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.