Dandridge at a glance
- Population: 3,617 people, the 127th-largest place among Tennessee's 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,352 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 7.9% growth over the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 127th of 344 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 63% of places in Tennessee rank below it by population (US Census Bureau).
- Coordinates: 36.0301 / -83.4298, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Jefferson City, TN (7 mi); Sevierville, TN (13 mi); Newport, TN (14 mi); Morristown, TN (14 mi); Pigeon Forge, TN (18 mi) (US Census Bureau).
- Smaller places nearby: New Market, TN (8 mi); Baneberry, TN (9 mi); White Pine, TN (9 mi), per US Census Bureau estimates.
What a personal loan costs in Dandridge
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Tennessee lending rules that apply in Dandridge
The Tennessee rate caps and licensing rules that reach Dandridge are listed below, each with its source and retrieval date.
| 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 Dandridge
These steps are the ones that most affect the offer you receive in Dandridge:
- 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.