Personal loans in Bartlett, TN

The 2020 count to the 2023 estimate shows about 3.0% decline in Bartlett. With roughly 56,030 residents, Bartlett is a mid-sized city, and the lending rules its borrowers live under are written in Tennessee, not by the city. About 56,030 people live in Bartlett, placing it 13th of 344 Census places in Tennessee. The next larger city is Memphis, TN about 12 miles away. For the 56,030 people in Bartlett, Tennessee runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Begin with the payment, then weigh APR and total interest across the lenders that reach Bartlett's 56,030 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Bartlett by the numbers

Set out below is Bartlett's local context next to the state-level rules that reach every lender here.

Lender access in Bartlett

Bartlett is a moderately settled community of about 56,030 people, with 2 larger places inside a 50-mile radius. What is available to Bartlett's 56,030 borrowers is set by Tennessee licensing and your own credit, not by how many branches are nearby. The nearest larger city, Memphis, TN about 12 miles away.

Inside a Bartlett personal loan

Most loans made to Bartlett's 56,030 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Bartlett can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Bartlett loan but raises total interest, so the smallest payment is not the cheapest loan.

Land, water and location for Bartlett

Bartlett covers about 32.3 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,735 people per square mile. The largest place in Tennessee, Memphis, lies about 12 miles away. A 50-mile radius around Bartlett takes in 2 places that are larger. By land area it ranks 21st of 344 Tennessee places.

Bartlett against the rest of Tennessee

Set beside Tennessee's 344 places, Bartlett ranks 13th by population and holds about 1.6% of the state total. On the 2020-to-2023 trend, Bartlett stands 329th among Tennessee's 344 places — roughly the 4th percentile. By density, at about 1,735 people per square mile, it ranks 14th in Tennessee. The population moved by about 1,762 people between 2020 and 2023, a 3.0% shift.

Which Tennessee laws govern a loan in Bartlett

Read the table as a lender's compliance picture for Bartlett: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorTennessee 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 statusLicensed; 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 we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bartlett if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bartlett is the same as anywhere in Tennessee.
What loan size can I expect in Bartlett?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Bartlett?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Bartlett cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related