Harriman at a glance
- Population: the Census estimates 6,171 residents, ranking 91st of 344 places in Tennessee (Vintage 2023).
- 2020 Census base: 5,942 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 3.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Tennessee places: 91st-largest of 344 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 74% of Tennessee's Census places by population (US Census Bureau).
- Coordinates: latitude 35.9304, longitude -84.5626 (US Census Bureau Gazetteer).
- Nearest larger cities: Kingston, TN (5 mi); Oak Ridge, TN (15 mi); Loudon, TN (17 mi); Lenoir City, TN (18 mi); Farragut, TN (22 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Oakdale, TN (4 mi); Rockwood, TN (8 mi); Wartburg, TN (12 mi), each a US Census place.
What a personal loan costs in Harriman
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Harriman
The table lists the Tennessee rules that apply to a loan made in Harriman, each with the regulator that published it.
| 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 Harriman
A few practical steps will make the process in Harriman less costly:
- 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.