Hollow Rock at a glance
- Population: about 699 residents, ranking 263rd of 344 Census places in Tennessee (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 684 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 2.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Tennessee places: 263rd-largest of 344 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 24% of Tennessee's Census places by population (US Census Bureau).
- Coordinates: 36.0353 / -88.2692, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bruceton, TN (1 mi); Huntingdon, TN (9 mi); Camden, TN (9 mi); McKenzie, TN (15 mi); New Johnsonville, TN (17 mi), each a US Census place with its estimated population.
- Smaller places close by: Clarksburg, TN (13 mi); Henry, TN (14 mi); Big Sandy, TN (17 mi) (US Census Bureau).
What a personal loan costs in Hollow Rock
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Hollow Rock
The table lists the Tennessee rules that apply to a loan made in Hollow Rock, 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 Hollow Rock
Before you commit to a personal loan in Hollow Rock, work through these steps:
- 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.