Personal loans in Friendsville, TN

With 912 residents, Friendsville outranks about 30% of the communities in Tennessee. The trend for Friendsville between 2020 and 2023 is upward by roughly 2.1%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

With roughly 912 residents, Friendsville is a small community, and the lending rules its borrowers live under are written in Tennessee, not by the city. Every figure below is Tennessee's own, applied to Friendsville's 912 residents, with the publisher and retrieval date attached. Begin with the payment, then weigh APR and total interest across the lenders that reach Friendsville's 912 residents. The closest larger place is Louisville, TN about 6 miles away.

Friendsville by the numbers

Here is the sourced Census picture for Friendsville, plus the Tennessee lending rules that apply to a loan taken out here.

The Friendsville borrowing checklist

Before you hand your details to a lender in Friendsville, where the population is near 912:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the Tennessee licence with the regulator named above before committing.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Pick the shortest term whose payment you can comfortably afford.

In Friendsville as elsewhere in Tennessee, the written terms — not the advertisement — are what count for its 912 residents.

The geography behind Friendsville

Friendsville covers about 2.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 321 people per square mile. The state's population centre of gravity, Memphis, is roughly 332 miles away. Within 50 miles of Friendsville there are 43 larger Census places. Within the same 50 miles lie 14 smaller Census places.

How a Friendsville personal loan is priced

Most loans made to Friendsville's 912 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 Friendsville. Shortening the term on a Friendsville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Tennessee rules behind a Friendsville personal loan

Every row below records a Tennessee rule, its publisher and its retrieval date — the same rules a Friendsville lender must follow.

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

Lender access in Friendsville

At roughly 321 people per square mile, Friendsville is lightly settled; 43 larger places lie within 50 miles. What is available to Friendsville's 912 borrowers is set by Tennessee licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Louisville, TN about 6 miles away.

Compare personal loan offers Run the numbers first

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