Personal loans in Surgoinsville, TN

For the 1,913 people in Surgoinsville, Tennessee runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Roughly 1,913 residents live in Surgoinsville, the 176th-largest community in Tennessee. Compare APR, not the interest rate, because the APR folds in most fees on a Surgoinsville loan. A 2020-to-2023 comparison shows Surgoinsville up by about 1.9%. For a bigger market, look to Church Hill, TN about 9 miles away.

Where Surgoinsville stands

Only a few things actually differ by place — population, area, location, and the Tennessee rules a lender must follow — and they are below.

• Population: 1,913 people, a figure that places Surgoinsville 176th among the 344 Census places in Tennessee (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 1.9%.
• People gained or lost: about 35 more since the 2020 base.
• Size percentile: roughly 49% of Tennessee places rank below Surgoinsville.
• Population density: 334 people per square mile on 5.7 square miles of land.
• By land area: Surgoinsville ranks 149th among Tennessee's 344 places, at 5.7 sq mi.
• Water area rank: Surgoinsville ranks 83rd among Tennessee's 344 places, with 0.03 sq mi.
• State share: roughly 0.1% of Tennessee's residents live in Surgoinsville (1,913 people).
• National standing: Surgoinsville ranks 7,799th of 19,457 US places.
• Growth rank: Surgoinsville's 2020-to-2023 change ranks 161st of 344 places in Tennessee.
• State comparison: Tennessee's places average +2.4% for 2020-to-2023, against Surgoinsville's 1.9%.
• Density in Tennessee: Surgoinsville ranks 250th by people per square mile.
• Density in context: Surgoinsville's 334 people per square mile sit against a Tennessee median of 553.
• Location: 36.4724, -82.8609 (Census Gazetteer coordinates).
• Nearest larger cities: Church Hill (9 mi); Rogersville (9 mi); Mount Carmel (12 mi); Kingsport (18 mi); Gate City (20 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places close by: Baileyton (10 mi); Clinchport (16 mi); Duffield (17 mi).
• Within a 50-mile radius: 32 smaller Census places.
• Within 100 miles: 101 places are larger than Surgoinsville.

The Surgoinsville borrowing checklist

Before you apply in Surgoinsville, a community of about 1,913, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the Tennessee regulator's records to confirm the lender is licensed here.
5. Be clear on what the loan is for and how it gets repaid.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Surgoinsville-specific: the same Tennessee licensing and disclosure rules reach all 1,913 residents.

Inside a Surgoinsville personal loan

Most loans made to Surgoinsville's 1,913 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Surgoinsville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Surgoinsville loan is knowable in advance — unlike a revolving card balance.

Surgoinsville in state context

Within Tennessee, Surgoinsville holds roughly 0.1% of all residents, the 176th-largest share among 344 places. Its 2020-to-2023 change ranks 161st of 344 Tennessee places, putting it near the 53th percentile for growth. At about 334 people per square mile, Surgoinsville is the 250th most densely settled place in Tennessee. The population moved by about 35 people between 2020 and 2023, a 1.9% shift.

Lender access in Surgoinsville

Surgoinsville is lightly settled, with about 334 people per square mile and 29 larger places within 50 miles. Whether Surgoinsville has a local branch or not, a Tennessee-licensed lender can serve its 1,913 people online on the same terms. The nearest bigger place is Church Hill, TN about 9 miles away.

The Tennessee lending rules that reach Surgoinsville

Read the table as a lender's compliance picture for Surgoinsville: the rule, the sourced figure, the publisher and the date.