South Pittsburg at a glance
- Population: 2,976 (US Census Bureau, Vintage 2023 subcounty estimate), the 135th-largest of 344 places in Tennessee.
- 2020 Census base: 3,102 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 4.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 135th largest of 344 (US Census Bureau).
- Size percentile: larger than about 61% of the Census places in Tennessee (US Census Bureau).
- Coordinates: latitude 35.0112, longitude -85.7182 (US Census Bureau Gazetteer).
- Nearest larger cities: Jasper, TN (7 mi); Signal Mountain, TN (23 mi); Rossville, GA (24 mi); Red Bank, TN (25 mi); Winchester, TN (25 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: New Hope, TN (3 mi); Kimball, TN (4 mi); Bridgeport, AL (4 mi), each a US Census place.
What a personal loan costs in South Pittsburg
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Tennessee lending rules that apply in South Pittsburg
The Tennessee rate caps and licensing rules that reach South Pittsburg are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in South Pittsburg
The steps below are worth completing first when you borrow in South Pittsburg:
- 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.