Sevierville at a glance
- Population: a Census-estimated 18,102, placing it 33rd among Tennessee's 344 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 17,880 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 1.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Tennessee places: the 33rd-largest of 344 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 90% of places in Tennessee rank below it by population (US Census Bureau).
- Coordinates: latitude 35.8897, longitude -83.5799 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Knoxville, TN (21 mi); Maryville, TN (24 mi); Morristown, TN (27 mi); Farragut, TN (34 mi); Oak Ridge, TN (40 mi) (US Census Bureau).
- Nearest smaller places: Pigeon Forge, TN (6 mi); Gatlinburg, TN (12 mi); Dandridge, TN (13 mi) (US Census Bureau estimates).
What a personal loan costs in Sevierville
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Sevierville
The table lists the Tennessee rules that apply to a loan made in Sevierville, each with the regulator that published it.
| 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 Sevierville
Before you commit to a personal loan in Sevierville, work through these steps:
- 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.