Huntland at a glance
- Population: about 891, 245th by size in Tennessee of 344 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 888 (US Census Bureau).
- 2020 to 2023 change: about 0.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 245th by size among 344 communities (US Census Bureau).
- Size percentile: it is larger than about 29% of the places in Tennessee (US Census Bureau).
- Coordinates: 35.0579, -86.2689 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Winchester, TN (13 mi); Decherd, TN (15 mi); Estill Springs, TN (16 mi); Cowan, TN (16 mi); Lynchburg, Moore County, TN (17 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Hytop, AL (15 mi); Skyline, AL (20 mi); Pleasant Groves, AL (22 mi), each a US Census place.
What a personal loan costs in Huntland
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
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 Huntland
The Tennessee rate caps and licensing rules that reach Huntland 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 Huntland
These steps are the ones that most affect the offer you receive in Huntland:
- 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.