Personal loans in Mason, TN
A lender serving Mason holds a Tennessee licence and answers to a Tennessee regulator; no city office is involved for its 1,354 residents. About 1,354 people live in Mason, placing it 213th of 344 Census places in Tennessee.
From the 2020 Census base to the 2023 estimate, the population rose by about 0.5%. Use the calculator on this page to price an amount and term before you commit in Mason. The nearest larger city is Brighton, TN about 12 miles away. To lend to Mason's 1,354 residents, a company must hold a Tennessee licence, and each sourced row below names the regulator behind it.
What the Census records for Mason
Mason is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 1,354, 213th among Tennessee's 344 places (Vintage 2023).
- Population trend: A gain of roughly 0.5% between 2020 and 2023.
- Absolute change: 7 residents added between 2020 and 2023.
- Size percentile: roughly 38% of Tennessee places rank below Mason.
- Population density: about 683 people per square mile across 2.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Mason's 2.0 square miles rank 255th of 344 places in Tennessee.
- Share of Tennessee: Mason holds about 0.0% of the state's population, some 1,354 people.
- National rank: Mason sits 9,092nd by population among the 19,457 places in this dataset.
- Growth in Tennessee: Mason stands 222nd by percentage change from 2020 to 2023, among 344 places.
- State comparison: Tennessee's places average +2.4% for 2020-to-2023, against Mason's 0.5%.
- Density rank: Mason is the 139th most densely settled place in Tennessee.
- Density vs Tennessee: Mason's 683 people per square mile compare with a state median of 553.
- Location: coordinates 35.4128, -89.5412 (US Census Bureau Gazetteer).
- Nearest larger cities: Brighton (12 mi); Covington (12 mi); Oakland (13 mi); Arlington (13 mi); Atoka (14 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Braden (4 mi); Gallaway (7 mi); Stanton (9 mi).
- Smaller neighbours: 48 places smaller than Mason sit within 50 miles.
- Larger places within 100 miles: 125.
How Mason compares across Tennessee
Against Tennessee's other places, Mason accounts for about 0.0% of the state's population and ranks 213th of 344 by size. Its 2020-to-2023 change ranks 222nd of 344 Tennessee places, putting it near the 35th percentile for growth. Its roughly 683 residents per square mile place it 139th among Tennessee's places. Within 50 miles sit 48 smaller Census places, alongside the 40 that are larger.
Tennessee consumer-lending rules applied in Mason
When Tennessee does not publish a figure, the row links to the source instead of inventing a number; Mason is bound by the same rules.
| 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 |
| 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 |
| 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 |
Mason on the map
Mason's land area is roughly 2.0 square miles, and the Gazetteer records no significant water area within it. With 1,354 residents, the land area yields roughly 683 people per square mile. The state's population centre of gravity, Memphis, is roughly 32 miles away. Counting outward 50 miles, 40 larger communities surround Mason. By land area it ranks 255th of 344 Tennessee places.
The anatomy of a Mason personal loan
Mason is a small community of about 1,354 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Mason's rank of 213th 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 Mason decides the split between a comfortable payment and the total interest you pay.
How lenders reach Mason
At roughly 683 people per square mile, Mason is moderately settled; 40 larger places lie within 50 miles. What is available to Mason's 1,354 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 Brighton, TN about 12 miles away.
Common questions
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Nearby places
- Braden, TN — population 252
- Gallaway, TN — population 530
- Stanton, TN — population 413
- Oakland, TN — population 10,488
- Covington, TN — population 8,568
- Arlington, TN — population 15,305
- Brighton, TN — population 2,881
- Lakeland, TN — population 14,147