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.
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.
- Population: about 765, ranked 258th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 1.5% from the 2020 Census base to the 2023 estimate.
- Absolute change: 11 residents added between 2020 and 2023.
- Size percentile: about 25% of Tennessee's Census places are smaller than Bulls Gap.
- Population density: about 628 people per square mile (Census land area 1.2 sq mi).
- Land area: Bulls Gap covers 1.2 square miles, the 297th-largest area among Tennessee's 344 places.
- State share: roughly 0.0% of Tennessee's residents live in Bulls Gap (765 people).
- National rank: Bulls Gap is 11,382nd of 19,457 places nationwide.
- Growth rank: Bulls Gap's 2020-to-2023 change ranks 175th of 344 places in Tennessee.
- State comparison: Tennessee's places average +2.4% for 2020-to-2023, against Bulls Gap's 1.5%.
- Density rank: Bulls Gap places 147th among Tennessee's places by people per square mile.
- Against the state median: Bulls Gap runs about 628 residents per square mile, where the Tennessee median is 553.
- Location: 36.2616, -83.0788 (US Census Bureau Gazetteer).
- Nearest larger cities: Mosheim (8 mi); Rogersville (11 mi); Bean Station (13 mi); Morristown (13 mi); Greeneville (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Baileyton (14 mi); Parrottsville (18 mi); Baneberry (19 mi).
- Within a 50-mile radius: 13 smaller Census places.
- At 100 miles: 170 larger Census places fall inside that radius.
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.
| 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 |
| 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 |
| 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.
Common questions
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Nearby places
- Mosheim, TN — population 2,544
- Rogersville, TN — population 4,633
- Bean Station, TN — population 3,071
- Morristown, TN — population 32,099
- Baileyton, TN — population 457
- Parrottsville, TN — population 224
- White Pine, TN — population 2,571
- Greeneville, TN — population 15,776