Personal loans in Murfreesboro, TN
Murfreesboro, Tennessee — home to about 165,430 people — is a sizable city, so the terms you are offered follow Tennessee law rather than any local rule.
Every figure below is Tennessee's own, applied to Murfreesboro's 165,430 residents, with the publisher and retrieval date attached. Murfreesboro is one of 344 Census places in Tennessee; its 165,430 residents put it at 5th. Decide the purpose of the loan and your repayment plan before sharing any details with a Murfreesboro lender. From the 2020 Census base to the 2023 estimate, the population rose by about 8.3%. A larger market lies at Clarksville, TN about 71 miles away.
What the Census records for Murfreesboro
Set out below is Murfreesboro's local context next to the state-level rules that reach every lender here.
- Population: 165,430 residents; Murfreesboro is the 5th-largest of 344 places in Tennessee (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 8.3% between 2020 and 2023.
- People gained or lost: about 12,646 more since the 2020 base.
- Size percentile: roughly 99% of Tennessee's places have fewer residents than Murfreesboro's 165,430.
- Population density: 2,563 people per square mile on 64.5 square miles of land.
- Land area: Murfreesboro covers 64.5 square miles, the 8th-largest area among Tennessee's 344 places.
- Water: Murfreesboro holds about 0.14 square miles, the 46th-largest water area in Tennessee.
- Share of Tennessee: Murfreesboro holds about 4.6% of the state's population, some 165,430 people.
- National standing: Murfreesboro ranks 154th of 19,457 US places.
- Growth in Tennessee: Murfreesboro stands 32nd by percentage change from 2020 to 2023, among 344 places.
- Against the state trend: Murfreesboro's 8.3% change compares with a Tennessee average of +2.4% across its 344 places.
- Density rank: Murfreesboro is the 3rd most densely settled place in Tennessee.
- Against the state median: Murfreesboro runs about 2,563 residents per square mile, where the Tennessee median is 553.
- Location: 35.8539 / -86.4212, per the US Census Bureau Gazetteer.
- Nearest larger cities: Clarksville (71 mi); Huntsville (81 mi); Chattanooga (86 mi). Living near a larger metro rarely changes what is available in Murfreesboro.
- Smaller communities within reach: Smyrna (10 mi); La Vergne (14 mi); Eagleville (15 mi).
- Within a 50-mile radius: 63 smaller Census places.
- Within 100 miles: 3 places are larger than Murfreesboro.
Tennessee rules behind a Murfreesboro personal loan
When Tennessee does not publish a figure, the row links to the source instead of inventing a number; Murfreesboro 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 |
| 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 |
| 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 |
Murfreesboro's place among Tennessee's 344 places
Against Tennessee's other places, Murfreesboro accounts for about 4.6% of the state's population and ranks 5th of 344 by size. For population change between 2020 and 2023, Murfreesboro ranks 32nd of 344 in Tennessee (about the 91th percentile). Its roughly 2,563 residents per square mile place it 3rd among Tennessee's places. The population moved by about 12,646 people between 2020 and 2023, a 8.3% shift.
What to do before borrowing in Murfreesboro
A sensible order of operations for a loan in Murfreesboro, home to about 165,430 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the lender holds a Tennessee licence by checking the regulator named above.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
In Murfreesboro as elsewhere in Tennessee, the written terms — not the advertisement — are what count for its 165,430 residents.
What a Murfreesboro borrower is actually offered
Most loans made to Murfreesboro's 165,430 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Murfreesboro can be quoted different APRs on the same amount and term. The term you choose in Murfreesboro decides the split between a comfortable payment and the total interest you pay.
Murfreesboro on the map
The Census Gazetteer records 64.5 square miles of land and 0.14 square miles of water within Murfreesboro. Spread across it are roughly 2,563 residents per square mile. For the state's biggest city, Memphis, the distance is roughly 206 miles. Counting outward 50 miles, 0 larger communities surround Murfreesboro. The 100-mile radius contains 3 larger places.
Common questions
What are my options in Murfreesboro if my credit is poor?
What loan size can I expect in Murfreesboro?
Do I have to pledge anything to borrow in Murfreesboro?
Does comparing loans in Murfreesboro cost me credit score points?
Nearby places
- Smyrna, TN — population 57,418
- La Vergne, TN — population 39,597
- Eagleville, TN — population 942
- Nolensville, TN — population 15,437
- Bell Buckle, TN — population 420
- Wartrace, TN — population 666
- Auburntown, TN — population 281
- Woodbury, TN — population 2,849