Personal loans in Newbern, TN
The first question in Newbern is not the rate on offer but whether the payment fits; about 3,274 people live here under Tennessee lending law. Judge Newbern offers on total cost, not on how quickly the money arrives.
With 3,274 residents, Newbern outranks about 61% of the communities in Tennessee. To lend to Newbern's 3,274 residents, a company must hold a Tennessee licence, and each sourced row below names the regulator behind it. The trend for Newbern between 2020 and 2023 is downward by roughly 2.2%. Borrowers who want a bigger city can look to Dyersburg, TN about 8 miles away.
Newbern: population, trend and location
Set out below is Newbern's local context next to the state-level rules that reach every lender here.
- Population: about 3,274 people live here, which puts Newbern 133rd of 344 Census places in Tennessee (Vintage 2023).
- Population trend: Roughly 2.2% fewer residents than the 2020 Census counted.
- Net change: roughly 73 fewer people than the 2020 Census counted.
- Size percentile: Newbern's 3,274 people outrank roughly 61% of the places in Tennessee.
- Land and density: 4.5 square miles of land carry roughly 722 residents per square mile.
- Land area rank: Newbern's 4.5 square miles rank 177th of 344 places in Tennessee.
- Share of Tennessee: Newbern holds about 0.1% of the state's population, some 3,274 people.
- National rank: Newbern is the 6,003rd most populous of the 19,457 Census places covered here.
- Growth in Tennessee: Newbern stands 322nd by percentage change from 2020 to 2023, among 344 places.
- State comparison: Tennessee's places average +2.4% for 2020-to-2023, against Newbern's 2.2%.
- Density rank: Newbern is the 131st most densely settled place in Tennessee.
- Density vs Tennessee: Newbern's 722 people per square mile compare with a state median of 553.
- Location: 36.1169, -89.2714 (US Census Bureau Gazetteer).
- Nearest larger cities: Dyersburg (8 mi); Trenton (21 mi); Tiptonville (21 mi); Caruthersville (23 mi); Union City (25 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Trimble (7 mi); Yorkville (9 mi); Obion (11 mi).
- Within a 50-mile radius: 76 smaller Census places.
- Larger places within 100 miles: 69.
How Tennessee law applies in Newbern
Tennessee has no separate rate rule for Newbern; the sourced rows below are what reach every lender that serves its 3,274 people.
| 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 |
Newbern's place among Tennessee's 344 places
Within Tennessee, Newbern holds roughly 0.1% of all residents, the 133rd-largest share among 344 places. For population change between 2020 and 2023, Newbern ranks 322nd of 344 in Tennessee (about the 6th percentile). By density, at about 722 people per square mile, it ranks 131st in Tennessee. By land area, its 4.5 square miles rank 177th of 344 places in Tennessee.
The anatomy of a Newbern personal loan
In Newbern, a small community of about 3,274, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Newbern can be quoted different APRs on the same amount and term. Shortening the term on a Newbern loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What is available to Newbern borrowers
Newbern is moderately settled, with about 722 people per square mile and 18 larger places within 50 miles. Distance to a branch rarely matters for Newbern's 3,274 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Dyersburg, TN about 8 miles away.
Where Newbern sits
Newbern covers about 4.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 3,274 residents, the land area yields roughly 722 people per square mile. The largest place in Tennessee, Memphis, lies about 80 miles away. Within 50 miles of Newbern there are 18 larger Census places. By land area it ranks 177th of 344 Tennessee places.
Common questions
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What loan size can I expect in Newbern?
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Does comparing loans in Newbern cost me credit score points?
Nearby places
- Trimble, TN — population 535
- Dyersburg, TN — population 15,968
- Yorkville, TN — population 230
- Obion, TN — population 976
- Friendship, TN — population 615
- Hornbeak, TN — population 506
- Troy, TN — population 1,417
- Ridgely, TN — population 1,613