Kingsport at a glance
- Population: a Census-estimated 56,704, placing it 12th among Tennessee's 344 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 55,446 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 12th out of 344 Census places (US Census Bureau).
- Size percentile: larger than about 97% of the Census places in Tennessee (US Census Bureau).
- Coordinates: 36.5194 latitude, -82.5434 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Johnson City, TN (15 mi); Asheville, NC (66 mi); Knoxville, TN (87 mi); Gastonia, NC (116 mi); Greenville, SC (117 mi) (US Census Bureau populations).
- Smaller towns nearby: Weber City, VA (7 mi); Mount Carmel, TN (8 mi); Gate City, VA (9 mi) (US Census Bureau).
What a personal loan costs in Kingsport
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Tennessee lending rules that apply in Kingsport
The table lists the Tennessee rules that apply to a loan made in Kingsport, each with the regulator that published it.
| 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 Kingsport
Run through this list before signing anything in Kingsport:
- 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.