Hickory Valley at a glance
- Population: about 80, 343rd by size in Tennessee of 344 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 79 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 343rd out of 344 Census places (US Census Bureau).
- Size percentile: about 0% of Tennessee's Census places are smaller (US Census Bureau).
- Coordinates: 35.1549 latitude, -89.1260 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Saulsbury, TN (8 mi); Grand Junction, TN (8 mi); La Grange, TN (10 mi); Bolivar, TN (10 mi); Whiteville, TN (11 mi) (US Census Bureau populations).
- Smaller places close by: Victoria, AR (67 mi); Birdsong, AR (67 mi); Rives, MO (82 mi) (US Census Bureau).
What a personal loan costs in Hickory Valley
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Hickory Valley
Read the table as the compliance picture for a lender serving Hickory Valley: label, sourced figure, publisher and 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 Hickory Valley
These steps are the ones that most affect the offer you receive in Hickory Valley:
- 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.