Mount Juliet at a glance
- Population: 42,912 (US Census Bureau, Vintage 2023 subcounty estimate), the 20th-largest of 344 places in Tennessee.
- 2020 Census base: 39,308 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 9.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 20th largest of 344 (US Census Bureau).
- Size percentile: about 94% of places in Tennessee are smaller (US Census Bureau).
- Coordinates: latitude 36.1992, longitude -86.5095 (US Census Bureau Gazetteer).
- Nearest larger cities: Hendersonville, TN (9 mi); Lebanon, TN (9 mi); Gallatin, TN (13 mi); Smyrna, TN (16 mi); Brentwood, TN (20 mi), each a US Census place with its estimated population.
- Smaller places close by: La Vergne, TN (13 mi); Goodlettsville, TN (14 mi); Berry Hill, TN (15 mi) (US Census Bureau).
What a personal loan costs in Mount Juliet
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.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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 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 Mount Juliet
The table lists the Tennessee rules that apply to a loan made in Mount Juliet, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Mount Juliet
Here is a short checklist for comparing personal loans in Mount Juliet:
- 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.