Wartburg at a glance
- Population: 942 — 239th in Tennessee, which has 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 910 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 3.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 239th in population of 344 places (US Census Bureau).
- Size percentile: larger than about 31% of the Census places in Tennessee (US Census Bureau).
- Coordinates: 36.1040, -84.5864 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Harriman, TN (12 mi); Oliver Springs, TN (15 mi); Kingston, TN (17 mi); Rockwood, TN (17 mi); Oak Ridge, TN (19 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Oakdale, TN (8 mi); Sunbright, TN (11 mi); Crab Orchard, TN (22 mi) (Census populations).
What a personal loan costs in Wartburg
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Wartburg
The table carries the Tennessee rate and licensing rules that apply to consumer loans made in Wartburg.
| 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 Wartburg
Before you commit to a personal loan in Wartburg, 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.