Millersville at a glance
- Population: roughly 6,299 people; 89th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 6,300 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
- Rank among Tennessee places: 89th largest of 344 (US Census Bureau).
- Size percentile: it is larger than about 74% of the places in Tennessee (US Census Bureau).
- Coordinates: 36.3968, -86.7111 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Goodlettsville, TN (4 mi); Greenbrier, TN (5 mi); White House, TN (5 mi); Hendersonville, TN (9 mi); Springfield, TN (11 mi) (US Census Bureau).
- Nearest smaller communities: Ridgetop, TN (3 mi); Cross Plains, TN (10 mi); Orlinda, TN (14 mi) (Census populations).
What a personal loan costs in Millersville
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Tennessee lending rules that apply in Millersville
The table lists the Tennessee rules that apply to a loan made in Millersville, each with the regulator that published it.
| 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 Millersville
Run through this list before signing anything in Millersville:
- 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.