Greeneville at a glance
- Population: 15,776 people, the 37th-largest place among Tennessee's 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 15,488 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 1.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 37th-largest of 344 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 89% of Tennessee's Census places are smaller (US Census Bureau).
- Coordinates: 36.1680, -82.8197 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Morristown, TN (27 mi); Johnson City, TN (27 mi); Kingsport, TN (29 mi); Bristol, TN (43 mi); Asheville, NC (44 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Tusculum, TN (4 mi); Mosheim, TN (8 mi); Baileyton, TN (11 mi) (US Census Bureau estimates).
What a personal loan costs in Greeneville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Greeneville
The table carries the Tennessee rate and licensing rules that apply to consumer loans made in Greeneville.
| 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 Greeneville
Run through this list before signing anything in Greeneville:
- 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.