Samburg at a glance
- Population: a Census-estimated 201, placing it 332nd among Tennessee's 344 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 208 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.4% below the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: 332nd in population of 344 places (US Census Bureau).
- Size percentile: ahead of around 3% of Tennessee places in population terms (US Census Bureau).
- Coordinates: it sits at 36.3817, -89.3524 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Hornbeak, TN (4 mi); Tiptonville, TN (7 mi); Ridgely, TN (11 mi); Troy, TN (11 mi); Obion, TN (13 mi) (US Census Bureau populations).
- Nearest smaller places: North Lilbourn, MO (21 mi); Catron, MO (25 mi); Homestown, MO (26 mi) (US Census Bureau estimates).
What a personal loan costs in Samburg
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Tennessee lending rules that apply in Samburg
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 Samburg
A few practical steps will make the process in Samburg less costly:
- 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.