Personal loans in Viola, TN
The first question in Viola is not the rate on offer but whether the payment fits; about 110 people live here under Tennessee lending law. A 2020-to-2023 comparison shows Viola up by about 6.8%.
About 110 people live in Viola, placing it 339th of 344 Census places in Tennessee. Read the disclosure for an origination fee and any prepayment penalty before signing in Viola. To lend to Viola's 110 residents, a company must hold a Tennessee licence, and each sourced row below names the regulator behind it. The closest larger city is Morrison, TN about 5 miles away.
Where Viola 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: an estimated 110 residents, 339th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 6.8%.
- People gained or lost: about 7 more since the 2020 base.
- Size percentile: roughly 1% of Tennessee places rank below Viola.
- Density: roughly 226 residents per square mile, spread over 0.5 sq mi of land.
- Land area rank: Viola's 0.5 square miles rank 336th of 344 places in Tennessee.
- State share: roughly 0.0% of Tennessee's residents live in Viola (110 people).
- Nationally: Viola is the 17,968th-largest of 19,457 Census places in the dataset.
- Growth rank: Viola's 2020-to-2023 change ranks 43rd of 344 places in Tennessee.
- Versus Tennessee: the state average change is +2.4%, while Viola moved 6.8%.
- Density rank: Viola places 292nd among Tennessee's places by people per square mile.
- Density in context: Viola's 226 people per square mile sit against a Tennessee median of 553.
- Location: 35.5424 / -85.8596, per the US Census Bureau Gazetteer.
- Nearest larger cities: Morrison (5 mi); Altamont (10 mi); McMinnville (11 mi); Beersheba Springs (12 mi); Centertown (13 mi). Lenders licensed in the state serve Viola whether or not they keep a local branch.
- Smaller places nearby: Normandy (23 mi); Orme (37 mi); Union Grove (85 mi).
- Smaller places within 50 miles: 2 of them.
- Within 100 miles: 256 places are larger than Viola.
Steps to take before a Viola loan
Before you apply in Viola, a community of about 110, work through these steps:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Tennessee licence by checking the regulator named above.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
The process is identical across Tennessee; what changes is your credit file, not the fact that Viola holds 110 people.
Which Tennessee laws govern a loan in Viola
Every row below records a Tennessee rule, its publisher and its retrieval date — the same rules a Viola lender must follow.
| 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 |
Viola: area, density and distance
The Census Gazetteer records about 0.5 square miles of land within Viola, with no significant water area listed. With 110 residents, the land area yields roughly 226 people per square mile. Memphis, the largest place in Tennessee, is about 234 miles from Viola. A 50-mile radius around Viola takes in 65 places that are larger. Within the same 50 miles lie 2 smaller Census places.
Getting a loan in Viola
Viola is a lightly settled community of about 110 people, with 65 larger places inside a 50-mile radius. Whether Viola has a local branch or not, a Tennessee-licensed lender can serve its 110 people online on the same terms. For a larger market, the closest option is Morrison, TN about 5 miles away.
Viola's place among Tennessee's 344 places
Among Tennessee's 344 places, Viola sits at 339th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Viola stands 43rd among Tennessee's 344 places — roughly the 88th percentile. Its roughly 226 residents per square mile place it 292nd among Tennessee's places. By land area, its 0.5 square miles rank 336th of 344 places in Tennessee.
Common questions
What are my options in Viola if my credit is poor?
What loan size can I expect in Viola?
Do I have to pledge anything to borrow in Viola?
Does comparing loans in Viola cost me credit score points?
Nearby places
- Morrison, TN — population 771
- Altamont, TN — population 1,152
- McMinnville, TN — population 13,790
- Centertown, TN — population 314
- Beersheba Springs, TN — population 451
- Manchester, TN — population 13,272
- Coalmont, TN — population 811
- Gruetli-Laager, TN — population 1,784