Tiptonville at a glance
- Population: 3,437 — 130th in Tennessee, which has 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,984 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 13.7% lower than the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 130th of 344 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 62% of Tennessee's places have fewer residents (US Census Bureau).
- Coordinates: latitude 36.3761, longitude -89.4753 (US Census Bureau Gazetteer).
- Nearest larger cities: Caruthersville, MO (17 mi); Dyersburg, TN (23 mi); Union City, TN (24 mi); Malden, MO (33 mi); Kennett, MO (33 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Samburg, TN (7 mi); Ridgely, TN (8 mi); Hornbeak, TN (10 mi) (US Census Bureau).
What a personal loan costs in Tiptonville
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Tennessee lending rules that apply in Tiptonville
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Tiptonville
Before you commit to a personal loan in Tiptonville, work through these steps:
- 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.