Rutledge at a glance
- Population: the Census estimates 1,331 residents, ranking 216th of 344 places in Tennessee (Vintage 2023).
- 2020 Census base: 1,321 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 0.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Tennessee places: 216th-largest of 344 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 37% of Tennessee places in population terms (US Census Bureau).
- Coordinates: it sits at 36.2744, -83.5327 in the US Census Bureau Gazetteer.
- Nearest larger cities: Jefferson City, TN (11 mi); New Tazewell, TN (12 mi); New Market, TN (12 mi); Blaine, TN (13 mi); Tazewell, TN (13 mi); US Census Bureau population estimates.
- Nearest smaller towns: Luttrell, TN (13 mi); Baneberry, TN (21 mi); Cumberland Gap, TN (24 mi) — US Census Bureau populations.
What a personal loan costs in Rutledge
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed 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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Tennessee lending rules that apply in Rutledge
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 Rutledge
These steps are the ones that most affect the offer you receive in Rutledge:
- 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.