Oakdale at a glance
- Population: 201 (US Census Bureau, Vintage 2023 subcounty estimate), the 331st-largest of 344 places in Tennessee.
- 2020 Census base: 194 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 3.6% since the 2020 count (US Census Bureau).
- Rank among Tennessee places: 331st-largest of 344 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 4% of Tennessee's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 35.9927, -84.5567.
- Nearest larger cities: Harriman, TN (4 mi); Wartburg, TN (8 mi); Kingston, TN (9 mi); Rockwood, TN (11 mi); Oliver Springs, TN (13 mi), each a US Census place with its estimated population.
- Smaller places close by: Fontana Dam, NC (56 mi); Lake Santeetlah, NC (58 mi); Viola, TN (79 mi) (US Census Bureau).
What a personal loan costs in Oakdale
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Tennessee lending rules that apply in Oakdale
The table lists the Tennessee rules that apply to a loan made in Oakdale, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Oakdale
The steps below are worth completing first when you borrow in Oakdale:
- 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.