Personal loans in Charleston, TN

The 2020 count to the 2023 estimate shows about 2.2% growth in Charleston. Work out your debt-to-income ratio first; lenders weigh it heavily, and Charleston's 895 residents are no exception. Rate ceilings, licensing requirements and product limits for Charleston are all set at the Tennessee level. The nearest larger metro is Cleveland, TN about 10 miles away.

Local context for Charleston

The figures below are Charleston's own — Census population, land area and coordinates — followed by the Tennessee rules.

• Population: a Census-estimated 895, 244th among Tennessee's 344 places (Vintage 2023).
• Population trend: Growth of about 2.2% across the 2020-to-2023 comparison.
• Net change: roughly 19 more people than the 2020 Census counted.
• Size percentile: about 29% of Tennessee's Census places are smaller than Charleston.
• Land and density: 1.1 square miles of land carry roughly 780 residents per square mile.
• By land area: Charleston ranks 304th among Tennessee's 344 places, at 1.1 sq mi.
• Water area: Charleston has 0.04 square miles of water, ranking 82nd of 344 places in Tennessee.
• State share: roughly 0.0% of Tennessee's residents live in Charleston (895 people).
• Nationally: Charleston is the 10,713th-largest of 19,457 Census places in the dataset.
• Growth in Tennessee: Charleston stands 154th by percentage change from 2020 to 2023, among 344 places.
• Versus Tennessee: the state average change is +2.4%, while Charleston moved 2.2%.
• Density in Tennessee: Charleston ranks 115th by people per square mile.
• Density in context: Charleston's 780 people per square mile sit against a Tennessee median of 553.
• Location: latitude 35.2857, longitude -84.7608 (Census Gazetteer).
• Nearest larger cities: Cleveland (10 mi); Benton (10 mi); Etowah (14 mi); Athens (15 mi); Decatur (17 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Calhoun (2 mi); Niota (20 mi); Cohutta (26 mi), each with its own Census population profile.
• Smaller places within 50 miles: 12 of them.
• Within 100 miles: 201 places are larger than Charleston.

Lender access in Charleston

With about 780 residents per square mile, Charleston is moderately settled, and 50 larger Census places sit within 50 miles. Whether Charleston has a local branch or not, a Tennessee-licensed lender can serve its 895 people online on the same terms. The nearest larger city, Cleveland, TN about 10 miles away.

What to do before borrowing in Charleston

A sensible order of operations for a loan in Charleston, home to about 895 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the Tennessee regulator's licence records before you sign.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Charleston and the rest of Tennessee is not the process but the borrower's own file, among the 895 people here.

Where Charleston sits in Tennessee

Within Tennessee, Charleston holds roughly 0.0% of all residents, the 244th-largest share among 344 places. Its 2020-to-2023 change ranks 154th of 344 Tennessee places, putting it near the 55th percentile for growth. At about 780 people per square mile, Charleston is the 115th most densely settled place in Tennessee. By land area, its 1.1 square miles rank 304th of 344 places in Tennessee.

Tennessee consumer-lending rules applied in Charleston

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

The geography behind Charleston

Inside Charleston's boundaries lie roughly 1.1 square miles of land and 0.04 square miles of water. The resulting density is about 780 people per square mile. Memphis, the largest place in Tennessee, is about 294 miles from Charleston. Counting outward 50 miles, 50 larger communities surround Charleston. By land area it ranks 304th of 344 Tennessee places.