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Personal loans in Rogersville, TN

For a borrower in Rogersville, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. The Census counts about 4,633 residents in Rogersville, ranking it 107th among the 344 places in Tennessee. The sourced table below shows the Tennessee rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Rogersville at a glance

  • Population: 4,633 people, the 107th-largest place among Tennessee's 344 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 4,670 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: roughly 0.8% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among Tennessee places: 107th in population of 344 places (US Census Bureau).
  • Size percentile: it exceeds roughly 69% of Tennessee's Census places by population (US Census Bureau).
  • Coordinates: mapped at 36.4083, -83.0042 by the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Church Hill, TN (18 mi); Greeneville, TN (20 mi); Mount Carmel, TN (22 mi); Morristown, TN (22 mi); Kingsport, TN (27 mi) (US Census Bureau).
  • Smaller places close by: Surgoinsville, TN (9 mi); Bulls Gap, TN (11 mi); Baileyton, TN (11 mi) (US Census Bureau).

What a personal loan costs in Rogersville

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.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Tennessee lending rules that apply in Rogersville

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
State lending regulatorTennessee 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 statusLicensed; 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 licensingTDFI 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 Rogersville

These steps are the ones that most affect the offer you receive in Rogersville:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Tennessee using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Rogersville?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Rogersville are the same as elsewhere in Tennessee.
How much can I borrow with a personal loan in Rogersville?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Rogersville require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Rogersville hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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