Hendersonville at a glance
- Population: 63,618 — 9th in Tennessee, which has 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 61,788 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 3.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 9th of the state's 344 Census places (US Census Bureau).
- Size percentile: larger than about 97% of the Census places in Tennessee (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 36.3073, -86.5989.
- Nearest larger cities: Franklin, TN (31 mi); Murfreesboro, TN (33 mi); Clarksville, TN (45 mi); Bowling Green, KY (47 mi); Huntsville, AL (111 mi); US Census Bureau population estimates.
- Nearest smaller towns: Goodlettsville, TN (6 mi); Millersville, TN (9 mi); Gallatin, TN (9 mi) — US Census Bureau populations.
What a personal loan costs in Hendersonville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Tennessee lending rules that apply in Hendersonville
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hendersonville
The order below is a sensible way to approach a loan in Hendersonville:
- 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.