Pleasant Hill at a glance
- Population: 548 — 280th in Tennessee, which has 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 543 (US Census Bureau).
- 2020 to 2023 change: about 0.9% growth over the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 280th of the state's 344 Census places (US Census Bureau).
- Size percentile: larger than about 19% of the Census places in Tennessee (US Census Bureau).
- Coordinates: 35.9739 / -85.2020, per the US Census Bureau Gazetteer.
- Nearest larger cities: Crossville, TN (10 mi); Monterey, TN (12 mi); Sparta, TN (15 mi); Crab Orchard, TN (18 mi); Algood, TN (21 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Doyle, TN (19 mi); Sunbright, TN (35 mi); Oakdale, TN (36 mi) (US Census Bureau).
What a personal loan costs in Pleasant Hill
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Tennessee lending rules that apply in Pleasant Hill
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Pleasant Hill
The steps below are worth completing first when you borrow in Pleasant Hill:
- 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.