Allardt at a glance
- Population: about 590 residents, ranking 271st of 344 Census places in Tennessee (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 555 (US Census Bureau).
- 2020 to 2023 change: population rose about 6.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Tennessee places: 271st by size among 344 communities (US Census Bureau).
- Size percentile: larger than about 21% of the Census places in Tennessee (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 36.3811, -84.8814.
- Nearest larger cities within 120 miles: Jamestown, TN (5 mi); Byrdstown, TN (19 mi); Huntsville, TN (21 mi); Oneida, TN (23 mi); Livingston, TN (25 mi) (US Census Bureau).
- Nearest smaller towns: Sunbright, TN (15 mi); Oakdale, TN (32 mi); Pleasant Hill, TN (33 mi) (US Census Bureau).
What a personal loan costs in Allardt
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Allardt
The table carries the Tennessee rate and licensing rules that apply to consumer loans made in Allardt.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Allardt
Here is a short checklist for comparing personal loans in Allardt:
- 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.