Pulaski at a glance
- Population: 8,276 people, the 71st-largest place among Tennessee's 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 8,393 (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 1.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 71st-largest of 344 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 79% of Tennessee's places have fewer residents (US Census Bureau).
- Coordinates: 35.1933 latitude, -87.0336 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Lawrenceburg, TN (17 mi); Lewisburg, TN (22 mi); Athens, AL (29 mi); Columbia, TN (30 mi); Madison, AL (37 mi), each a US Census place with its estimated population.
- Smaller places close by: Minor Hill, TN (12 mi); Elkton, TN (12 mi); Lynnville, TN (13 mi) (US Census Bureau).
What a personal loan costs in Pulaski
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Pulaski
The table lists the Tennessee rules that apply to a loan made in Pulaski, 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 Pulaski
A few practical steps will make the process in Pulaski 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.