Luttrell at a glance
- Population: 1,064 — 228th in Tennessee, which has 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,018 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 4.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Tennessee places: 228th-largest of 344 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 34% of places in Tennessee rank below it by population (US Census Bureau).
- Coordinates: it sits at 36.2096, -83.7485 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Plainview, TN (3 mi); Maynardville, TN (4 mi); Blaine, TN (5 mi); Rutledge, TN (13 mi); New Market, TN (13 mi) (US Census Bureau populations).
- Smaller places nearby: Cumberland Gap, TN (27 mi); Rockford, TN (28 mi); Baneberry, TN (29 mi), per US Census Bureau estimates.
What a personal loan costs in Luttrell
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Luttrell
Read the table as the compliance picture for a lender serving Luttrell: label, sourced figure, publisher and date.
| 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 Luttrell
Here is a short checklist for comparing personal loans in Luttrell:
- 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.