Ridgeside at a glance
- Population: 447 residents, the 297th-largest of 344 places in Tennessee (US Census Bureau, Vintage 2023).
- 2020 Census base: 447 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: essentially flat from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 297th-largest of 344 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 14% of Tennessee's Census places are smaller (US Census Bureau).
- Coordinates: 35.0349 latitude, -85.2470 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Chattanooga, TN (2 mi); East Ridge, TN (3 mi); Rossville, GA (5 mi); Red Bank, TN (6 mi); Lookout Mountain, TN (7 mi); US Census Bureau population estimates.
- Nearest smaller communities: Orme, TN (32 mi); Mentone, AL (38 mi); Hammondville, AL (39 mi), each a US Census place.
What a personal loan costs in Ridgeside
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Ridgeside
The sourced rows below are the rules a licensed lender must follow when lending in Tennessee, and therefore in Ridgeside.
| 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 Ridgeside
Run through this list before signing anything in Ridgeside:
- 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.