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Personal loans in Enville, TN

For residents of Enville, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census puts Enville at about 186 residents, the 334th-largest of 344 places in Tennessee. The rate caps and licensing requirements that apply to a lender in Tennessee are set out in the sourced table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Enville at a glance

  • Population: about 186, 334th by size in Tennessee of 344 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 185 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: a gain of roughly 0.5% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Tennessee places: 334th in population of 344 places (US Census Bureau).
  • Size percentile: roughly 3% of places in Tennessee rank below it by population (US Census Bureau).
  • Coordinates: 35.3911, -88.4303 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities: Milledgeville, TN (4 mi); Sardis, TN (9 mi); Saltillo, TN (10 mi); Finger, TN (11 mi); Adamsville, TN (11 mi) (Census populations, approximate straight-line distance).
  • Smaller places nearby: Silerton, TN (22 mi); Kossuth, MS (38 mi); Waterloo, AL (39 mi), per US Census Bureau estimates.

What a personal loan costs in Enville

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Tennessee lending rules that apply in Enville

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
State lending regulatorTennessee 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 statusLicensed; 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 licensingTDFI 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 Enville

Before you share your details with a lender in Enville:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Tennessee using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Enville?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Enville are the same as elsewhere in Tennessee.
How much can I borrow with a personal loan in Enville?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Enville require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Enville hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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