Personal loans in Bells, TN
If you are weighing a personal loan in Bells, start from the payment you can carry; its 2,475 residents face the same statewide rules. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Bells's 2,475 residents. Bells ranks 148th of 344 places in Tennessee, with a population near 2,475. Pull your credit reports and line up at least three offers before you apply from Bells. A 2020-to-2023 comparison shows Bells up by about 0.5%. The nearest larger city is Humboldt, TN about 13 miles away.
Borrowing in Bells: the local picture
Set out below is Bells's local context next to the state-level rules that reach every lender here.
- Population: an estimated 2,475 residents, 148th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- Population trend: Growth of about 0.5% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a gain of about 13 residents.
- Size percentile: about 57% of Tennessee communities are smaller than Bells (2,475 residents).
- Density: roughly 1,044 residents per square mile, spread over 2.4 sq mi of land.
- By land area: Bells ranks 240th among Tennessee's 344 places, at 2.4 sq mi.
- State share: roughly 0.1% of Tennessee's residents live in Bells (2,475 people).
- Nationally: Bells is the 6,883rd-largest of 19,457 Census places in the dataset.
- Growth rank: Bells ranks 220th among Tennessee's 344 places for the 2020-to-2023 change.
- Versus Tennessee: the state average change is +2.4%, while Bells moved 0.5%.
- Density rank: Bells places 60th among Tennessee's places by people per square mile.
- Against the state median: Bells runs about 1,044 residents per square mile, where the Tennessee median is 553.
- Location: 35.7197, -89.0854 (Census Gazetteer coordinates).
- Nearest larger cities: Humboldt (13 mi); Brownsville (13 mi); Jackson (15 mi); Medina (18 mi); Trenton (19 mi). Larger metros often have more branches, but online lenders reach Bells on the same terms.
- Smaller towns nearby: Alamo (5 mi); Gadsden (7 mi); Maury City (10 mi).
- Smaller neighbours: 57 places smaller than Bells sit within 50 miles.
- Larger places within 100 miles: 83.
What a Bells borrower is actually offered
Most loans made to Bells's 2,475 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Bells. The term you choose in Bells decides the split between a comfortable payment and the total interest you pay.
What Tennessee law requires in Bells
This table holds the Tennessee rate and licensing rules for consumer loans made to Bells's 2,475 residents.
| 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 |
| 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 |
Bells on the map
Bells's land area is roughly 2.4 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,044 people per square mile. The largest place in Tennessee, Memphis, lies about 65 miles away. A 50-mile radius around Bells takes in 29 places that are larger. The 100-mile radius contains 83 larger places.
Bells's place among Tennessee's 344 places
Within Tennessee, Bells holds roughly 0.1% of all residents, the 148th-largest share among 344 places. For population change between 2020 and 2023, Bells ranks 220th of 344 in Tennessee (about the 36th percentile). Its roughly 1,044 residents per square mile place it 60th among Tennessee's places. By land area, its 2.4 square miles rank 240th of 344 places in Tennessee.
How lenders reach Bells
Bells is moderately settled, with about 1,044 people per square mile and 29 larger places within 50 miles. A Tennessee licence lets a lender serve Bells without a local office, so branch density does not change what its 2,475 residents are offered. The nearest bigger place is Humboldt, TN about 13 miles away.
Common questions
What are my options in Bells if my credit is poor?
What loan size can I expect in Bells?
Do I have to pledge anything to borrow in Bells?
Does comparing loans in Bells cost me credit score points?
Nearby places
- Alamo, TN — population 2,333
- Gadsden, TN — population 474
- Maury City, TN — population 584
- Humboldt, TN — population 7,840
- Brownsville, TN — population 9,386
- Three Way, TN — population 1,909
- Friendship, TN — population 615
- Jackson, TN — population 68,264