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.

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 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.

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.

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
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 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

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.

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