Lawrenceburg at a glance
- Population: a Census-estimated 11,990, placing it 53rd among Tennessee's 344 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 11,638 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 3.0% more residents than the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: the 53rd-largest of 344 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 85% of Tennessee places in population terms (US Census Bureau).
- Coordinates: 35.2497 latitude, -87.3325 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Columbia, TN (31 mi); Lewisburg, TN (34 mi); Florence, AL (34 mi); Muscle Shoals, AL (39 mi); Athens, AL (39 mi) (US Census Bureau populations).
- Nearest smaller places: Ethridge, TN (5 mi); Loretto, TN (13 mi); Minor Hill, TN (16 mi) (US Census Bureau estimates).
What a personal loan costs in Lawrenceburg
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Lawrenceburg
Read the table as the compliance picture for a lender serving Lawrenceburg: label, sourced figure, publisher and date.
| 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 Lawrenceburg
Before you share your details with a lender in Lawrenceburg:
- 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.