Rogersville at a glance
- Population: 4,633 people, the 107th-largest place among Tennessee's 344 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,670 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 0.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Tennessee places: 107th in population of 344 places (US Census Bureau).
- Size percentile: it exceeds roughly 69% of Tennessee's Census places by population (US Census Bureau).
- Coordinates: mapped at 36.4083, -83.0042 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Church Hill, TN (18 mi); Greeneville, TN (20 mi); Mount Carmel, TN (22 mi); Morristown, TN (22 mi); Kingsport, TN (27 mi) (US Census Bureau).
- Smaller places close by: Surgoinsville, TN (9 mi); Bulls Gap, TN (11 mi); Baileyton, TN (11 mi) (US Census Bureau).
What a personal loan costs in Rogersville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Tennessee lending rules that apply in Rogersville
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Rogersville
These steps are the ones that most affect the offer you receive in Rogersville:
- 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.