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.

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.

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.

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.

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
Payday lending statusLicensed; 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 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

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 Cross Plains 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 Cross Plains is the same as anywhere in Tennessee.
What loan size can I expect in Cross Plains?
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 Cross Plains?
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 Cross Plains 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.

Nearby places

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