Rossville at a glance
- Population: 1,166, the 224th-largest community in Tennessee out of 344 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,041 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 12.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 224th-largest of 344 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 35% of Tennessee's Census places are smaller (US Census Bureau).
- Coordinates: 35.0309 latitude, -89.5620 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Piperton, TN (3 mi); Collierville, TN (8 mi); Germantown, TN (13 mi); Byhalia, MS (13 mi); Oakland, TN (14 mi) (US Census Bureau populations).
- Smaller places close by: Moscow, TN (10 mi); Williston, TN (14 mi); La Grange, TN (18 mi) (US Census Bureau).
What a personal loan costs in Rossville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Tennessee lending rules that apply in Rossville
The sourced rows below are the rules a licensed lender must follow when lending in Tennessee, and therefore in Rossville.
| 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 Rossville
The order below is a sensible way to approach a loan in Rossville:
- 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.