Tusculum at a glance
- Population: about 3,367 residents, ranking 132nd of 344 Census places in Tennessee (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 3,298 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 2.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Tennessee places: 132nd out of 344 Census places (US Census Bureau).
- Size percentile: it is larger than about 62% of the places in Tennessee (US Census Bureau).
- Coordinates: 36.1750, -82.7454 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Greeneville, TN (4 mi); Jonesborough, TN (17 mi); Erwin, TN (19 mi); Rogersville, TN (22 mi); Johnson City, TN (23 mi) (US Census Bureau populations).
- Smaller places nearby: Baileyton, TN (11 mi); Mosheim, TN (12 mi); Bulls Gap, TN (20 mi), per US Census Bureau estimates.
What a personal loan costs in Tusculum
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Tusculum
The table carries the Tennessee rate and licensing rules that apply to consumer loans made in Tusculum.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tusculum
Before you commit to a personal loan in Tusculum, 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.