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.
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.
- Population: an estimated 976 residents, 233rd of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 1.6% fewer residents than the 2020 Census counted.
- Net change: roughly 16 fewer people than the 2020 Census counted.
- Size percentile: about 32% of Tennessee communities are smaller than Obion (976 residents).
- Land and density: 1.3 square miles of land carry roughly 757 residents per square mile.
- By land area: Obion ranks 291st among Tennessee's 344 places, at 1.3 sq mi.
- State population share: Obion accounts for about 0.0% of everyone in Tennessee.
- National standing: Obion ranks 10,319th of 19,457 US places.
- Growth rank: Obion ranks 305th among Tennessee's 344 places for the 2020-to-2023 change.
- Versus Tennessee: the state average change is +2.4%, while Obion moved 1.6%.
- Density rank: Obion places 121st among Tennessee's places by people per square mile.
- Against the state median: Obion runs about 757 residents per square mile, where the Tennessee median is 553.
- Location: the Census Gazetteer records it at 36.2558, -89.1826.
- Nearest larger cities: Troy (6 mi); Kenton (10 mi); Newbern (11 mi); Union City (14 mi); Rutherford (14 mi). Lenders licensed in the state serve Obion whether or not they keep a local branch.
- Smaller communities within reach: Trimble (4 mi); Hornbeak (8 mi); Rives (10 mi).
- Smaller neighbours: 52 places smaller than Obion sit within 50 miles.
- Within 100 miles: 136 places are larger than Obion.
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.
| 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 |
| 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 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 |
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.
Common questions
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Nearby places
- Trimble, TN — population 535
- Troy, TN — population 1,417
- Hornbeak, TN — population 506
- Newbern, TN — population 3,274
- Rives, TN — population 246
- Yorkville, TN — population 230
- Kenton, TN — population 1,257
- Samburg, TN — population 201