Personal loans in Normandy, TN
Census figures put the 2020-to-2023 decrease in Normandy at about 0.9%. A lender serving Normandy holds a Tennessee licence and answers to a Tennessee regulator; no city office is involved for its 107 residents.
The Census estimates 107 residents in Normandy, which ranks it 340th of 344 places in Tennessee. The nearest larger city is Tullahoma, TN about 6 miles away. Consumer lending that reaches Normandy's 107 residents is governed by Tennessee statute; no city ordinance changes it. Begin with the payment, then weigh APR and total interest across the lenders that reach Normandy's 107 residents.
What the Census records for Normandy
Set out below is Normandy's local context next to the state-level rules that reach every lender here.
- Population: a Census-estimated 107, 340th among Tennessee's 344 places (Vintage 2023).
- Population trend: A drop of about 0.9% from 2020 to 2023.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: Normandy sits ahead of around 1% of Tennessee places, at 107 people.
- Population density: 437 people per square mile on 0.2 square miles of land.
- Land area rank: Normandy's 0.2 square miles rank 342nd of 344 places in Tennessee.
- Within Tennessee: about 0.0% of the state's population lives in Normandy.
- National standing: Normandy ranks 18,021st of 19,457 US places.
- Growth rank: Normandy ranks 284th among Tennessee's 344 places for the 2020-to-2023 change.
- State comparison: Tennessee's places average +2.4% for 2020-to-2023, against Normandy's 0.9%.
- Density rank: Normandy places 215th among Tennessee's places by people per square mile.
- Against the state median: Normandy runs about 437 residents per square mile, where the Tennessee median is 553.
- Location: 35.4522, -86.2582 (US Census Bureau Gazetteer).
- Nearest larger cities: Tullahoma (6 mi); Wartrace (6 mi); Manchester (10 mi); Bell Buckle (11 mi); Shelbyville (11 mi). Online lenders reach Normandy no matter how far the nearest branch is.
- Nearest smaller towns: Orme (40 mi); Mooresville (67 mi); Union Grove (73 mi) — useful context for the surrounding area.
- Smaller neighbours: 1 places smaller than Normandy sit within 50 miles.
- At 100 miles: 263 larger Census places fall inside that radius.
Land, water and location for Normandy
The Census Gazetteer records about 0.2 square miles of land within Normandy, with no significant water area listed. Spread across it are roughly 437 residents per square mile. The largest place in Tennessee, Memphis, lies about 211 miles away. Counting outward 50 miles, 62 larger communities surround Normandy. The 100-mile radius contains 263 larger places.
Which Tennessee laws govern a loan in Normandy
For the roughly 107 residents of Normandy, 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 |
Normandy's place among Tennessee's 344 places
Against Tennessee's other places, Normandy accounts for about 0.0% of the state's population and ranks 340th of 344 by size. On the 2020-to-2023 trend, Normandy stands 284th among Tennessee's 344 places — roughly the 17th percentile. By density, at about 437 people per square mile, it ranks 215th in Tennessee. Within 50 miles sit 1 smaller Census places, alongside the 62 that are larger.
Before you apply in Normandy
Complete these steps first when you borrow in Normandy (107 residents):
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Verify the lender's Tennessee licence with the regulator listed on this page.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
The process is identical across Tennessee; what changes is your credit file, not the fact that Normandy holds 107 people.
Inside a Normandy personal loan
A Normandy personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 107 residents. Because pricing is borrower-level, two people in Normandy can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Normandy loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Tullahoma, TN — population 21,001
- Wartrace, TN — population 666
- Bell Buckle, TN — population 420
- Manchester, TN — population 13,272
- Lynchburg, Moore County, TN — population 6,748
- Shelbyville, TN — population 25,132
- Estill Springs, TN — population 2,270
- Decherd, TN — population 2,444