Personal loans in Benton, TN

Pull your credit reports and line up at least three offers before you apply from Benton. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Benton's 1,444 residents. The 2020 count to the 2023 estimate shows about 5.1% decline in Benton. The closest larger city is Cleveland, TN about 12 miles away.

Where Benton stands

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

• Population: an estimated 1,444 residents, 205th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 5.1% across the 2020-to-2023 comparison.
• People gained or lost: about 78 fewer since the 2020 base.
• Size percentile: with 1,444 residents, Benton is larger than about 40% of Tennessee's Census places.
• Land and density: 3.0 square miles of land carry roughly 476 residents per square mile.
• By land area: Benton ranks 218th among Tennessee's 344 places, at 3.0 sq mi.
• Share of state population: Benton's 1,444 residents are about 0.0% of Tennessee.
• National rank: Benton is the 8,826th most populous of the 19,457 Census places covered here.
• Growth rank: Benton's 2020-to-2023 change ranks 338th of 344 places in Tennessee.
• Against the state trend: Benton's 5.1% change compares with a Tennessee average of +2.4% across its 344 places.
• Density rank: Benton places 205th among Tennessee's places by people per square mile.
• Density vs Tennessee: Benton's 476 people per square mile compare with a state median of 553.
• Location: the Census Gazetteer records it at 35.1749, -84.6517.
• Nearest larger cities: Cleveland (12 mi); Etowah (13 mi); Englewood (19 mi); Athens (20 mi); Collegedale (24 mi). Living near a larger metro rarely changes what is available in Benton.
• Smaller towns nearby: Charleston (10 mi); Calhoun (10 mi); Ducktown (18 mi).
• Smaller neighbours: 27 places smaller than Benton sit within 50 miles.
• Within 100 miles: 183 places are larger than Benton.

What shapes a Benton personal loan

With roughly 1,444 residents, Benton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Benton. Shortening the term on a Benton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A pre-application checklist for Benton

These steps shape the offer you get in Benton, a place of about 1,444 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Tennessee licence with the regulator listed on this page.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Tennessee; what changes is your credit file, not the fact that Benton holds 1,444 people.

Land, water and location for Benton

Benton covers about 3.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 1,444 residents, the land area yields roughly 476 people per square mile. Memphis, the largest place in Tennessee, is about 300 miles from Benton. Within 50 miles of Benton there are 40 larger Census places. By land area it ranks 218th of 344 Tennessee places.

The Tennessee lending rules that reach Benton

Below are the Tennessee rules that apply to a loan made in Benton, each with the regulator that issued it.

Benton in state context

Within Tennessee, Benton holds roughly 0.0% of all residents, the 205th-largest share among 344 places. Its 2020-to-2023 change ranks 338th of 344 Tennessee places, putting it near the 2th percentile for growth. At about 476 people per square mile, Benton is the 205th most densely settled place in Tennessee. Between 2020 and 2023 the count changed by roughly 78 residents.