Personal loans in Obion, TN

The Census estimates 976 residents in Obion, which ranks it 233rd of 344 places in Tennessee. For a borrower among the roughly 976 residents of Obion, a personal loan is a tool whose cost turns on the terms, not the address. From the 2020 Census base to the 2023 estimate, the population declined by about 1.6%. Use the calculator on this page to price an amount and term before you commit in Obion. For the 976 people in Obion, Tennessee runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Borrowers who want a bigger city can look to Troy, TN about 6 miles away.

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.

Obion by the numbers

Here is the sourced Census picture for Obion, plus the Tennessee lending rules that apply to a loan taken out here.

Tennessee rules behind a Obion personal loan

When Tennessee does not publish a figure, the row links to the source instead of inventing a number; Obion 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

Where Obion sits in Tennessee

Within Tennessee, Obion holds roughly 0.0% of all residents, the 233rd-largest share among 344 places. Its 2020-to-2023 change ranks 305th of 344 Tennessee places, putting it near the 11th percentile for growth. At about 757 people per square mile, Obion is the 121st most densely settled place in Tennessee. Between 2020 and 2023 the count changed by roughly 16 residents.

Inside a Obion personal loan

Obion is a small community of about 976 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Obion lender to disclose the APR and finance charge before you sign. The term you choose in Obion decides the split between a comfortable payment and the total interest you pay.

Where Obion sits

The Census Gazetteer records about 1.3 square miles of land within Obion, with no significant water area listed. That land carries about 757 people per square mile. For the state's biggest city, Memphis, the distance is roughly 91 miles. Obion has 44 larger places within a 50-mile radius. By land area it ranks 291st of 344 Tennessee places.

How lenders reach Obion

With about 757 residents per square mile, Obion is moderately settled, and 44 larger Census places sit within 50 miles. Lenders licensed in Tennessee reach Obion's 976 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Troy, TN about 6 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 Obion 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 Obion is the same as anywhere in Tennessee.
What loan size can I expect in Obion?
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 Obion?
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 Obion 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.

Nearby places

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