Jamestown at a glance
- Population: 2,077 residents, the 167th-largest of 344 places in Tennessee (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,018 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 2.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 167th of 344 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 51% of the Census places in Tennessee (US Census Bureau).
- Coordinates: mapped at 36.4308, -84.9356 by the US Census Bureau Gazetteer.
- Nearest larger cities: Livingston, TN (22 mi); Oneida, TN (24 mi); Monterey, TN (27 mi); Monticello, KY (29 mi); Algood, TN (33 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Allardt, TN (5 mi); Byrdstown, TN (15 mi); Sunbright, TN (19 mi) (Census populations).
What a personal loan costs in Jamestown
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Tennessee lending rules that apply in Jamestown
The table carries the Tennessee rate and licensing rules that apply to consumer loans made in Jamestown.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Jamestown
The order below is a sensible way to approach a loan in Jamestown:
- 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.