Personal loans in Farragut, TN

For the 25,579 people in Farragut, Tennessee runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. An estimated 25,579 people make their home in Farragut, a figure that ranks 28th in Tennessee.

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.

If you are weighing a personal loan in Farragut, start from the payment you can carry; its 25,579 residents face the same statewide rules. Farragut added about 8.8% to its population between the 2020 base and the 2023 estimate. Begin with the payment, then weigh APR and total interest across the lenders that reach Farragut's 25,579 residents. The nearest larger metro is Oak Ridge, TN about 9 miles away.

Farragut: population, trend and location

What follows is Farragut's place in the Census record, alongside the Tennessee rules that govern a personal loan made here.

Farragut: area, density and distance

Inside Farragut's boundaries lie roughly 16.0 square miles of land and 0.16 square miles of water. The resulting density is about 1,601 people per square mile. Memphis, the largest place in Tennessee, is about 330 miles from Farragut. Counting outward 50 miles, 3 larger communities surround Farragut. The 100-mile radius contains 9 larger places.

Inside a Farragut personal loan

Farragut is a smaller city of about 25,579 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Farragut loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Farragut loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Lender access in Farragut

Farragut is moderately settled, with about 1,601 people per square mile and 3 larger places within 50 miles. Whether Farragut has a local branch or not, a Tennessee-licensed lender can serve its 25,579 people online on the same terms. The nearest bigger place is Oak Ridge, TN about 9 miles away.

Tennessee rules behind a Farragut personal loan

For the roughly 25,579 residents of Farragut, 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
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

How Farragut compares across Tennessee

Within Tennessee, Farragut holds roughly 0.7% of all residents, the 28th-largest share among 344 places. On the 2020-to-2023 trend, Farragut stands 24th among Tennessee's 344 places — roughly the 93th percentile. Its roughly 1,601 residents per square mile place it 20th among Tennessee's places. Within 50 miles sit 53 smaller Census places, alongside the 3 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 Farragut 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 Farragut is the same as anywhere in Tennessee.
What loan size can I expect in Farragut?
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 Farragut?
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 Farragut 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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