Personal loans in Cross Plains, TN
Cross Plains is one of 344 Census places in Tennessee; its 1,893 residents put it at 178th. In Cross Plains, one of 344 Census places in Tennessee, the figure to compare across lenders is the APR, not the advertised rate.
From the 2020 Census base to the 2023 estimate, the population rose by about 6.3%. Rate-shopping from Cross Plains costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Every figure below is Tennessee's own, applied to Cross Plains's 1,893 residents, with the publisher and retrieval date attached. A larger market lies at White House, TN about 5 miles away.
Where Cross Plains stands
What follows is Cross Plains's place in the Census record, alongside the Tennessee rules that govern a personal loan made here.
- Population: 1,893 people, a figure that places Cross Plains 178th among the 344 Census places in Tennessee (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 6.3% across the 2020-to-2023 comparison.
- Net change: roughly 112 more people than the 2020 Census counted.
- Size percentile: roughly 48% of Tennessee places rank below Cross Plains.
- Land and density: 8.7 square miles of land carry roughly 218 residents per square mile.
- Land area: Cross Plains covers 8.7 square miles, the 104th-largest area among Tennessee's 344 places.
- State population share: Cross Plains accounts for about 0.1% of everyone in Tennessee.
- National standing: Cross Plains ranks 7,833rd of 19,457 US places.
- Growth rank: Cross Plains ranks 49th among Tennessee's 344 places for the 2020-to-2023 change.
- State comparison: Tennessee's places average +2.4% for 2020-to-2023, against Cross Plains's 6.3%.
- Density rank: Cross Plains is the 294th most densely settled place in Tennessee.
- Against the state median: Cross Plains runs about 218 residents per square mile, where the Tennessee median is 553.
- Location: 36.5412 / -86.6766, per the US Census Bureau Gazetteer.
- Nearest larger cities: White House (5 mi); Portland (9 mi); Millersville (10 mi); Greenbrier (10 mi); Ridgetop (11 mi). Lenders licensed in the state serve Cross Plains whether or not they keep a local branch.
- Smaller places nearby: Orlinda (4 mi); Mitchellville (10 mi); Adairville (14 mi).
- Within a 50-mile radius: 28 smaller Census places.
- At 100 miles: 101 larger Census places fall inside that radius.
How Cross Plains compares across Tennessee
Within Tennessee, Cross Plains holds roughly 0.1% of all residents, the 178th-largest share among 344 places. For population change between 2020 and 2023, Cross Plains ranks 49th of 344 in Tennessee (about the 86th percentile). By density, at about 218 people per square mile, it ranks 294th in Tennessee. Between 2020 and 2023 the count changed by roughly 112 residents.
Cross Plains: area, density and distance
Cross Plains's land area is roughly 8.7 square miles, and the Gazetteer records no significant water area within it. With 1,893 residents, the land area yields roughly 218 people per square mile. The state's population centre of gravity, Memphis, is roughly 209 miles away. Cross Plains has 40 larger places within a 50-mile radius. The 100-mile radius contains 101 larger places.
How lenders reach Cross Plains
Cross Plains is lightly settled, with about 218 people per square mile and 40 larger places within 50 miles. Lenders licensed in Tennessee reach Cross Plains's 1,893 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is White House, TN about 5 miles away.
What shapes a Cross Plains personal loan
With roughly 1,893 residents, Cross Plains is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Cross Plains lender to disclose the APR and finance charge before you sign. The term you choose in Cross Plains decides the split between a comfortable payment and the total interest you pay.
Tennessee rules behind a Cross Plains personal loan
For the roughly 1,893 residents of Cross Plains, the rules below are Tennessee's own; each row carries its publisher and retrieval date.
| 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 |
Common questions
What are my options in Cross Plains if my credit is poor?
What loan size can I expect in Cross Plains?
Do I have to pledge anything to borrow in Cross Plains?
Does comparing loans in Cross Plains cost me credit score points?
Nearby places
- Orlinda, TN — population 993
- White House, TN — population 15,340
- Millersville, TN — population 6,299
- Portland, TN — population 13,578
- Ridgetop, TN — population 2,134
- Greenbrier, TN — population 6,951
- Mitchellville, TN — population 158
- Springfield, TN — population 19,494