Johnson City at a glance
- Population: 73,337 residents, the 7th-largest of 344 places in Tennessee (US Census Bureau, Vintage 2023).
- 2020 Census base: 71,062 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 3.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 7th largest of 344 (US Census Bureau).
- Size percentile: roughly 98% of Tennessee's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 36.3423, -82.3809 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Asheville, NC (54 mi); Knoxville, TN (91 mi); Gastonia, NC (101 mi); Charlotte, NC (117 mi); Concord, NC (118 mi) (US Census Bureau).
- Smaller places nearby: Watauga, TN (5 mi); Jonesborough, TN (6 mi); Elizabethton, TN (8 mi), per US Census Bureau estimates.
What a personal loan costs in Johnson City
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Tennessee lending rules that apply in Johnson City
Each row below is a Tennessee rule with its publisher and the date it was retrieved.
| 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 Johnson City
Here is a short checklist for comparing personal loans in Johnson City:
- 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.