Livingston at a glance
- Population: 4,040 people, the 119th-largest place among Tennessee's 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 3,902 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 119th by size among 344 communities (US Census Bureau).
- Size percentile: roughly 65% of Tennessee's places have fewer residents (US Census Bureau).
- Coordinates: 36.3866 latitude, -85.3261 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Algood, TN (15 mi); Cookeville, TN (20 mi); Sparta, TN (32 mi); Crossville, TN (34 mi); Lafayette, TN (40 mi) (US Census Bureau populations).
- Smaller places close by: Celina, TN (15 mi); Byrdstown, TN (17 mi); Monterey, TN (17 mi) (US Census Bureau).
What a personal loan costs in Livingston
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Tennessee lending rules that apply in Livingston
The table lists the Tennessee rules that apply to a loan made in Livingston, each with the regulator that published it.
| 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 Livingston
Before you commit to a personal loan in Livingston, 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.