Finger at a glance
- Population: a Census-estimated 275, placing it 324th among Tennessee's 344 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 274 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 0.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Tennessee places: the 324th-largest of 344 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 6% of places in Tennessee rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 35.3570, -88.6170.
- Nearest larger cities: Henderson, TN (6 mi); Bethel Springs, TN (8 mi); Selmer, TN (13 mi); Milledgeville, TN (14 mi); Adamsville, TN (16 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Enville, TN (11 mi); Silerton, TN (11 mi); Hornsby, TN (15 mi) — US Census Bureau populations.
What a personal loan costs in Finger
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Finger
The Tennessee rate caps and licensing rules that reach Finger are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Finger
Before you share your details with a lender in Finger:
- 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.