Huntingdon at a glance
- Population: roughly 4,504 people; 109th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,443 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 1.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: the 109th-largest of 344 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 68% of places in Tennessee rank below it by population (US Census Bureau).
- Coordinates: 36.0061 / -88.4172, per the US Census Bureau Gazetteer.
- Nearest larger cities: McKenzie, TN (10 mi); Milan, TN (20 mi); Paris, TN (21 mi); Medina, TN (25 mi); Lexington, TN (25 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Hollow Rock, TN (9 mi); McLemoresville, TN (9 mi); Clarksburg, TN (9 mi) (Census populations).
What a personal loan costs in Huntingdon
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Huntingdon
The Tennessee rate caps and licensing rules that reach Huntingdon are listed below, each with its source and retrieval date.
| 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 Huntingdon
The steps below are worth completing first when you borrow in Huntingdon:
- 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.