Bethel Springs at a glance
- Population: a Census-estimated 749, placing it 259th among Tennessee's 344 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 739 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 259th by size among 344 communities (US Census Bureau).
- Size percentile: it exceeds roughly 25% of Tennessee's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 35.2341, -88.6131.
- Nearest larger cities within 120 miles: Selmer, TN (5 mi); Eastview, TN (11 mi); Adamsville, TN (13 mi); Henderson, TN (15 mi); Crump, TN (16 mi) (US Census Bureau).
- Smaller places close by: Finger, TN (8 mi); Ramer, TN (11 mi); Stantonville, TN (12 mi) (US Census Bureau).
What a personal loan costs in Bethel Springs
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Bethel Springs
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Bethel Springs
The order below is a sensible way to approach a loan in Bethel Springs:
- 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.