McEwen at a glance
- Population: roughly 1,717 people; 190th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,648 residents here (US Census Bureau).
- 2020 to 2023 change: up about 4.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 190th of 344 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 45% of places in Tennessee are smaller (US Census Bureau).
- Coordinates: mapped at 36.1098, -87.6355 by the US Census Bureau Gazetteer.
- Nearest larger cities: Waverly, TN (8 mi); Dickson, TN (15 mi); Burns, TN (18 mi); New Johnsonville, TN (20 mi); Centerville, TN (22 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Vanleer, TN (14 mi); Erin, TN (15 mi); Slayden, TN (16 mi) (US Census Bureau).
What a personal loan costs in McEwen
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less 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 McEwen
The Tennessee rate caps and licensing rules that reach McEwen are listed below, each with its source and retrieval date.
| 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 McEwen
The steps below are worth completing first when you borrow in McEwen:
- 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.