Church Hill at a glance
- Population: 7,232, the 78th-largest community in Tennessee out of 344 (US Census Bureau, Vintage 2023).
- 2020 Census base: 7,006 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 3.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 78th of the state's 344 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 77% of Tennessee's Census places by population (US Census Bureau).
- Coordinates: 36.5196, -82.7141 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Kingsport, TN (9 mi); Johnson City, TN (22 mi); Greeneville, TN (25 mi); Bristol, TN (28 mi); Elizabethton, TN (29 mi) (US Census Bureau).
- Smaller places close by: Mount Carmel, TN (4 mi); Surgoinsville, TN (9 mi); Weber City, VA (11 mi) (US Census Bureau).
What a personal loan costs in Church Hill
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Tennessee lending rules that apply in Church Hill
The table lists the Tennessee rules that apply to a loan made in Church Hill, each with the regulator that published it.
| 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 Church Hill
These steps are the ones that most affect the offer you receive in Church Hill:
- 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.