Personal loans in Bulls Gap, TN

With roughly 765 residents, Bulls Gap is a small community, and the lending rules its borrowers live under are written in Tennessee, not by the city.

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.

For the 765 people in Bulls Gap, Tennessee runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The Census counts 765 people in Bulls Gap, the 258th-largest figure among Tennessee's 344 places. Begin with the payment, then weigh APR and total interest across the lenders that reach Bulls Gap's 765 residents. The trend for Bulls Gap between 2020 and 2023 is upward by roughly 1.5%. The closest larger city is Mosheim, TN about 8 miles away.

Bulls Gap: population, trend and location

Here is the sourced Census picture for Bulls Gap, plus the Tennessee lending rules that apply to a loan taken out here.

Land, water and location for Bulls Gap

Bulls Gap covers about 1.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 765 residents, the land area yields roughly 628 people per square mile. The state's population centre of gravity, Memphis, is roughly 395 miles away. Within 50 miles of Bulls Gap there are 47 larger Census places. The 100-mile radius contains 170 larger places.

What Tennessee law requires in Bulls Gap

Tennessee has no separate rate rule for Bulls Gap; the sourced rows below are what reach every lender that serves its 765 people.

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
Small-loan / installment lender licensingTDFI 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
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

What a Bulls Gap borrower is actually offered

Bulls Gap is a small community of about 765 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Bulls Gap's 765 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Bulls Gap loan is knowable in advance — unlike a revolving card balance.

What is available to Bulls Gap borrowers

Bulls Gap is moderately settled, with about 628 people per square mile and 47 larger places within 50 miles. Distance to a branch rarely matters for Bulls Gap's 765 residents: the application is online and the price follows your credit file. The nearest bigger place is Mosheim, TN about 8 miles away.

How Bulls Gap compares across Tennessee

Against Tennessee's other places, Bulls Gap accounts for about 0.0% of the state's population and ranks 258th of 344 by size. On the 2020-to-2023 trend, Bulls Gap stands 175th among Tennessee's 344 places — roughly the 49th percentile. Its roughly 628 residents per square mile place it 147th among Tennessee's places. Within 50 miles sit 13 smaller Census places, alongside the 47 that are larger.

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 Bulls Gap 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 Bulls Gap is the same as anywhere in Tennessee.
What loan size can I expect in Bulls Gap?
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 Bulls Gap?
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 Bulls Gap 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.

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