Jonesborough at a glance
- Population: about 6,480, 86th by size in Tennessee of 344 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,869 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 10.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Tennessee places: the 86th-largest of 344 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 75% of Tennessee's places have fewer residents (US Census Bureau).
- Coordinates: 36.2961, -82.4764 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Johnson City, TN (6 mi); Elizabethton, TN (14 mi); Kingsport, TN (16 mi); Church Hill, TN (20 mi); Greeneville, TN (21 mi) (US Census Bureau populations).
- Nearest smaller communities: Unicoi, TN (10 mi); Erwin, TN (11 mi); Watauga, TN (11 mi) (Census populations).
What a personal loan costs in Jonesborough
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Tennessee lending rules that apply in Jonesborough
Each row below is a Tennessee rule with its publisher and the date it was retrieved.
| 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 Jonesborough
The order below is a sensible way to approach a loan in Jonesborough:
- 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.