La Vergne at a glance
- Population: 39,597, the 22nd-largest community in Tennessee out of 344 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 38,709 (US Census Bureau).
- 2020 to 2023 change: population rose about 2.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Tennessee places: 22nd out of 344 Census places (US Census Bureau).
- Size percentile: roughly 94% of Tennessee's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 36.0222, -86.5594.
- Nearest larger cities within 120 miles: Smyrna, TN (4 mi); Brentwood, TN (12 mi); Mount Juliet, TN (13 mi); Murfreesboro, TN (14 mi); Lebanon, TN (17 mi) (US Census Bureau).
- Smaller towns nearby: Nolensville, TN (8 mi); Berry Hill, TN (13 mi); Oak Hill, TN (13 mi) (US Census Bureau).
What a personal loan costs in La Vergne
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 APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Tennessee lending rules that apply in La Vergne
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 La Vergne
Here is a short checklist for comparing personal loans in La Vergne:
- 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.