Linden at a glance
- Population: roughly 1,093 people; 227th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 993 (US Census Bureau).
- 2020 to 2023 change: an increase of about 10.1% since the 2020 count (US Census Bureau).
- Rank among Tennessee places: 227th out of 344 Census places (US Census Bureau).
- Size percentile: it is larger than about 34% of the places in Tennessee (US Census Bureau).
- Coordinates: 35.6123 latitude, -87.8430 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Parsons, TN (16 mi); Hohenwald, TN (17 mi); Clifton, TN (18 mi); Waynesboro, TN (21 mi); Centerville, TN (27 mi); US Census Bureau population estimates.
- Nearest smaller places: Lobelville, TN (10 mi); Decaturville, TN (16 mi); Scotts Hill, TN (24 mi) (US Census Bureau estimates).
What a personal loan costs in Linden
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Tennessee lending rules that apply in Linden
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 Linden
A few practical steps will make the process in Linden 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.