Goodlettsville at a glance
- Population: 17,429 residents, the 34th-largest of 344 places in Tennessee (US Census Bureau, Vintage 2023).
- 2020 Census base: 17,783 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down roughly 2.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Tennessee places: 34th out of 344 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 90% of Tennessee's Census places by population (US Census Bureau).
- Coordinates: 36.3330, -86.7042 (US Census Bureau Gazetteer).
- Nearest larger cities: Hendersonville, TN (6 mi); Gallatin, TN (14 mi); Mount Juliet, TN (14 mi); Springfield, TN (15 mi); Lebanon, TN (22 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Millersville, TN (4 mi); Ridgetop, TN (6 mi); Greenbrier, TN (8 mi) (US Census Bureau).
What a personal loan costs in Goodlettsville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Tennessee lending rules that apply in Goodlettsville
The Tennessee rate caps and licensing rules that reach Goodlettsville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Goodlettsville
A few practical steps will make the process in Goodlettsville less costly:
- 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.