Lynchburg, Moore County at a glance
- Population: about 6,748, 83rd by size in Tennessee of 344 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 6,468 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 4.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 83rd in population of 344 places (US Census Bureau).
- Size percentile: it exceeds roughly 76% of Tennessee's Census places by population (US Census Bureau).
- Coordinates: it sits at 35.2889, -86.3587 in the US Census Bureau Gazetteer.
- Nearest larger cities: Tullahoma, TN (10 mi); Fayetteville, TN (15 mi); Shelbyville, TN (16 mi); Winchester, TN (16 mi); Manchester, TN (20 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Normandy, TN (13 mi); Estill Springs, TN (13 mi); Petersburg, TN (16 mi) — US Census Bureau populations.
What a personal loan costs in Lynchburg, Moore County
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Lynchburg, Moore County
The table lists the Tennessee rules that apply to a loan made in Lynchburg, Moore County, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lynchburg, Moore County
Before you share your details with a lender in Lynchburg, Moore County:
- 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.