Adams at a glance
- Population: 653, the 268th-largest community in Tennessee out of 344 (US Census Bureau, Vintage 2023).
- 2020 Census base: 620 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 5.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 268th out of 344 Census places (US Census Bureau).
- Size percentile: larger than about 22% of the Census places in Tennessee (US Census Bureau).
- Coordinates: 36.5828, -87.0651 (US Census Bureau Gazetteer).
- Nearest larger cities: Guthrie, KY (7 mi); Springfield, TN (12 mi); Coopertown, TN (13 mi); Adairville, KY (13 mi); Pleasant View, TN (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Cedar Hill, TN (4 mi); Trenton, KY (15 mi); Mitchellville, TN (29 mi) (Census populations).
What a personal loan costs in Adams
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Tennessee lending rules that apply in Adams
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 |
|---|---|---|
| Payday lending status | Licensed; deferred presentment services (payday) lenders must obtain a TDFI license, including internet lenders (Tenn. Code Ann. § 45-17-103) Source says: deferred presentment services in this state through the use of the internet, facsimile, telephone, or other means without having first obtained a license | Tennessee Department of Financial Institutions (TDFI) as of 2026-09-16 |
| Small-loan / installment lender licensing | TDFI Compliance Division licenses industrial loan & thrift companies, deferred presentment companies, flexible credit companies, and other consumer lenders Source says: The Compliance Division is responsible for the licensing and regulatory supervision of the following types of financial institutions operating in Tennessee | Tennessee Department of Financial Institutions (TDFI) as of 2026-09-16 |
| State lending regulator | Tennessee Department of Financial Institutions (TDFI) Source says: The Department regulates banks, credit unions, trust companies, business and industrial development corporations, industrial loan and thrift companies | Tennessee Department of Financial Institutions (TDFI) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10.75% per annum (maximum effective formula rate for written contracts, announced September 15, 2026) Source says: the maximum effective formula rate of interest in Tennessee is 10.75 percent per annum | Tennessee Department of Financial Institutions (TDFI) as of 2026-09-16 |
How to compare offers in Adams
Before you commit to a personal loan in Adams, work through these steps:
- 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 Tennessee using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.