Kimball at a glance
- Population: 1,607 — 198th in Tennessee, which has 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,546 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 3.9% higher than at the 2020 Census (US Census Bureau).
- Rank among Tennessee places: 198th by size among 344 communities (US Census Bureau).
- Size percentile: it is larger than about 42% of the places in Tennessee (US Census Bureau).
- Coordinates: it sits at 35.0469, -85.6740 in the US Census Bureau Gazetteer.
- Nearest larger cities: Jasper, TN (3 mi); South Pittsburg, TN (4 mi); Bridgeport, AL (7 mi); Whitwell, TN (13 mi); Stevenson, AL (14 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: New Hope, TN (3 mi); Orme, TN (8 mi); Powells Crossroads, TN (14 mi) — US Census Bureau populations.
What a personal loan costs in Kimball
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
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 Kimball
Read the table as the compliance picture for a lender serving Kimball: label, sourced figure, publisher and 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 Kimball
Run through this list before signing anything in Kimball:
- 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.