Personal loans in Harriman, TN
The roughly 6,171 people who live in Harriman borrow under Tennessee rules; city hall sets no personal-loan rate. At about 6,171 residents, Harriman is larger than roughly 74% of the places in Tennessee. The trend for Harriman between 2020 and 2023 is upward by roughly 3.9%. Consumer lending that reaches Harriman's 6,171 residents is governed by Tennessee statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Harriman. The nearest larger metro is Kingston, TN about 5 miles away.
Borrowing in Harriman: the local picture
Here is the sourced Census picture for Harriman, plus the Tennessee lending rules that apply to a loan taken out here.
- Population: 6,171 people, a figure that places Harriman 91st among the 344 Census places 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 229 residents.
- Size percentile: roughly 74% of Tennessee's places have fewer residents than Harriman's 6,171.
- Density: the Census land area of 10.5 sq mi holds about 588 people per square mile.
- By land area: Harriman ranks 82nd among Tennessee's 344 places, at 10.5 sq mi.
- Water: Harriman holds about 0.20 square miles, the 36th-largest water area in Tennessee.
- Within Tennessee: about 0.2% of the state's population lives in Harriman.
- National standing: Harriman ranks 4,285th of 19,457 US places.
- Growth in Tennessee: Harriman stands 93rd by percentage change from 2020 to 2023, among 344 places.
- State comparison: Tennessee's places average +2.4% for 2020-to-2023, against Harriman's 3.9%.
- Density in Tennessee: Harriman ranks 161st by people per square mile.
- Against the state median: Harriman runs about 588 residents per square mile, where the Tennessee median is 553.
- Location: the Census Gazetteer records it at 35.9304, -84.5626.
- Nearest larger cities: Kingston (5 mi); Oak Ridge (15 mi); Loudon (17 mi); Lenoir City (18 mi); Farragut (22 mi). Lenders licensed in the state serve Harriman whether or not they keep a local branch.
- Smaller places nearby: Oakdale (4 mi); Rockwood (8 mi); Wartburg (12 mi).
- Smaller neighbours: 38 places smaller than Harriman sit within 50 miles.
- Larger places within 100 miles: 39.
Getting a loan in Harriman
Harriman is moderately settled, with about 588 people per square mile and 14 larger places within 50 miles. What is available to Harriman's 6,171 borrowers is set by Tennessee licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Kingston, TN about 5 miles away.
Harriman's place among Tennessee's 344 places
Harriman is the 91st-largest of 344 Census places in Tennessee and contains about 0.2% of the state's people. Its 2020-to-2023 change ranks 93rd of 344 Tennessee places, putting it near the 73th percentile for growth. By density, at about 588 people per square mile, it ranks 161st in Tennessee. The population moved by about 229 people between 2020 and 2023, a 3.9% shift.
A pre-application checklist for Harriman
Before you hand your details to a lender in Harriman, where the population is near 6,171:
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the lender holds a Tennessee licence by checking the regulator named above.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
In Harriman as elsewhere in Tennessee, the written terms — not the advertisement — are what count for its 6,171 residents.
Which Tennessee laws govern a loan in Harriman
For the roughly 6,171 residents of Harriman, 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 |
| 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 |
| 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 |
What shapes a Harriman personal loan
A Harriman personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 6,171 residents. The APR tracks your credit score rather than Harriman's rank of 91st in Tennessee: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Harriman decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Oakdale, TN — population 201
- Kingston, TN — population 6,218
- Rockwood, TN — population 5,635
- Wartburg, TN — population 942
- Oliver Springs, TN — population 3,398
- Oak Ridge, TN — population 33,397
- Loudon, TN — population 6,652
- Philadelphia, TN — population 663