Dover at a glance
- Population: the Census estimates 1,875 residents, ranking 180th of 344 places in Tennessee (Vintage 2023).
- 2020 Census base: 1,827 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 2.6% higher than at the 2020 Census (US Census Bureau).
- Rank among Tennessee places: 180th of the state's 344 Census places (US Census Bureau).
- Size percentile: roughly 48% of Tennessee's places have fewer residents (US Census Bureau).
- Coordinates: 36.4816 latitude, -87.8438 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Cadiz, KY (26 mi); Oak Grove, KY (27 mi); Waverly, TN (27 mi); Murray, KY (28 mi); Clarksville, TN (28 mi) (US Census Bureau populations).
- Nearest smaller places: Tennessee Ridge, TN (12 mi); Cumberland City, TN (13 mi); Erin, TN (14 mi) (US Census Bureau estimates).
What a personal loan costs in Dover
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Tennessee lending rules that apply in Dover
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 | 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 Dover
Before you share your details with a lender in Dover:
- 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.