Kingston at a glance
- Population: about 6,218 residents, ranking 90th of 344 Census places in Tennessee (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 5,948 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 90th by size among 344 communities (US Census Bureau).
- Size percentile: roughly 74% of Tennessee's places have fewer residents (US Census Bureau).
- Coordinates: 35.8727, -84.5045 (US Census Bureau Gazetteer).
- Nearest larger cities: Loudon, TN (12 mi); Lenoir City, TN (13 mi); Oak Ridge, TN (14 mi); Farragut, TN (18 mi); Sweetwater, TN (19 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Harriman, TN (5 mi); Oakdale, TN (9 mi); Rockwood, TN (10 mi) — US Census Bureau populations.
What a personal loan costs in Kingston
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Tennessee lending rules that apply in Kingston
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Kingston
A few practical steps will make the process in Kingston less costly:
- 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.