Bartlett at a glance
- Population: 56,030 residents, the 13th-largest of 344 places in Tennessee (US Census Bureau, Vintage 2023).
- 2020 Census base: 57,792 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 3.0% below the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 13th largest of 344 (US Census Bureau).
- Size percentile: roughly 96% of places in Tennessee rank below it by population (US Census Bureau).
- Coordinates: 35.2342, -89.8203 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Memphis, TN (12 mi); Southaven, MS (21 mi); Jackson, TN (63 mi); Jonesboro, AR (63 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Lakeland, TN (6 mi); Millington, TN (8 mi); Arlington, TN (9 mi) — US Census Bureau populations.
What a personal loan costs in Bartlett
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
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 Bartlett
The sourced rows below are the rules a licensed lender must follow when lending in Tennessee, and therefore in Bartlett.
| 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 Bartlett
Before you commit to a personal loan in Bartlett, 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.