Personal loans in Calhoun, TN
The Census counts 555 people in Calhoun, the 278th-largest figure among Tennessee's 344 places. The trend for Calhoun between 2020 and 2023 is upward by roughly 3.9%. Calhoun is a small community in Tennessee, with an estimated 555 residents, and every licensed lender here follows the same state rulebook. For the 555 people in Calhoun, Tennessee runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Work out your debt-to-income ratio first; lenders weigh it heavily, and Calhoun's 555 residents are no exception. Borrowers who want a bigger city can look to Charleston, TN about 2 miles away.
What the Census records for Calhoun
What follows is Calhoun's place in the Census record, alongside the Tennessee rules that govern a personal loan made here.
- Population: 555 — Calhoun ranks 278th of 344 communities in Tennessee (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 3.9% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 21 residents.
- Size percentile: bigger than about 19% of the places in Tennessee, with 555 residents in Calhoun.
- Population density: 468 people per square mile on 1.2 square miles of land.
- Land area rank: Calhoun's 1.2 square miles rank 299th of 344 places in Tennessee.
- Water: Calhoun holds about 0.06 square miles, the 63rd-largest water area in Tennessee.
- State population share: Calhoun accounts for about 0.0% of everyone in Tennessee.
- Nationally: Calhoun is the 12,735th-largest of 19,457 Census places in the dataset.
- Growth in Tennessee: Calhoun stands 91st by percentage change from 2020 to 2023, among 344 places.
- Against the state trend: Calhoun's 3.9% change compares with a Tennessee average of +2.4% across its 344 places.
- Density in Tennessee: Calhoun ranks 208th by people per square mile.
- Against the state median: Calhoun runs about 468 residents per square mile, where the Tennessee median is 553.
- Location: 35.3018 / -84.7415, per the US Census Bureau Gazetteer.
- Nearest larger cities: Charleston (2 mi); Benton (10 mi); Cleveland (11 mi); Etowah (12 mi); Athens (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Ducktown (27 mi); Copperhill (29 mi); Ridgeside (34 mi).
- Within a 50-mile radius: 6 smaller Census places.
- At 100 miles: 232 larger Census places fall inside that radius.
Where Calhoun sits in Tennessee
Among Tennessee's 344 places, Calhoun sits at 278th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Calhoun ranks 91st of 344 in Tennessee (about the 74th percentile). Its roughly 468 residents per square mile place it 208th among Tennessee's places. By land area, its 1.2 square miles rank 299th of 344 places in Tennessee.
The Tennessee lending rules that reach Calhoun
Tennessee has no separate rate rule for Calhoun; the sourced rows below are what reach every lender that serves its 555 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 |
| 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 |
Getting a loan in Calhoun
At roughly 468 people per square mile, Calhoun is lightly settled; 55 larger places lie within 50 miles. A Tennessee licence lets a lender serve Calhoun without a local office, so branch density does not change what its 555 residents are offered. The nearest larger city, Charleston, TN about 2 miles away.
Land, water and location for Calhoun
Inside Calhoun's boundaries lie roughly 1.2 square miles of land and 0.06 square miles of water. Spread across it are roughly 468 residents per square mile. For the state's biggest city, Memphis, the distance is roughly 295 miles. Counting outward 50 miles, 55 larger communities surround Calhoun. Within the same 50 miles lie 6 smaller Census places.
How a Calhoun personal loan is priced
Most loans made to Calhoun's 555 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 Calhoun. Shortening the term on a Calhoun loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Charleston, TN — population 895
- Benton, TN — population 1,444
- Cleveland, TN — population 49,086
- Athens, TN — population 14,731
- Etowah, TN — population 3,690
- Decatur, TN — population 1,630
- Englewood, TN — population 1,553
- Niota, TN — population 802