Personal loans in Collinwood, TN
Collinwood, Tennessee — home to about 906 people — is a small community, so the terms you are offered follow Tennessee law rather than any local rule.
With an estimated 906 residents, Collinwood is the 243rd-largest of 344 places in Tennessee. For a community of about 906, the practical step is to compare APR across at least three lenders before committing. Collinwood gained roughly 1.0% in population across the 2020-to-2023 comparison. Every figure below is Tennessee's own, applied to Collinwood's 906 residents, with the publisher and retrieval date attached. A larger market lies at Waynesboro, TN about 10 miles away.
The Collinwood data picture
Here is the sourced Census picture for Collinwood, plus the Tennessee lending rules that apply to a loan taken out here.
- Population: the Census counts 906 residents in Collinwood (Vintage 2023 subcounty estimate), the 243rd-largest figure among Tennessee's 344 places.
- Population trend: About 1.0% above the 2020 Census base.
- Net change: roughly 9 more people than the 2020 Census counted.
- Size percentile: roughly 29% of Tennessee places rank below Collinwood.
- Population density: about 326 people per square mile (Census land area 2.8 sq mi).
- By land area: Collinwood ranks 227th among Tennessee's 344 places, at 2.8 sq mi.
- State population share: Collinwood accounts for about 0.0% of everyone in Tennessee.
- National rank: Collinwood sits 10,665th by population among the 19,457 places in this dataset.
- Growth rank: Collinwood ranks 202nd among Tennessee's 344 places for the 2020-to-2023 change.
- Versus Tennessee: the state average change is +2.4%, while Collinwood moved 1.0%.
- Density rank: Collinwood is the 253rd most densely settled place in Tennessee.
- Density vs Tennessee: Collinwood's 326 people per square mile compare with a state median of 553.
- Location: latitude 35.1745, longitude -87.7441 (Census Gazetteer).
- Nearest larger cities: Waynesboro (10 mi); Loretto (18 mi); Clifton (20 mi); Lawrenceburg (24 mi); Florence (24 mi). Larger metros often have more branches, but online lenders reach Collinwood on the same terms.
- Smaller places close by: St. Joseph (17 mi); St. Florian (22 mi); Waterloo (25 mi).
- Smaller neighbours: 31 places smaller than Collinwood sit within 50 miles.
- Within 100 miles: 149 places are larger than Collinwood.
How lenders reach Collinwood
With about 326 residents per square mile, Collinwood is lightly settled, and 29 larger Census places sit within 50 miles. Distance to a branch rarely matters for Collinwood's 906 residents: the application is online and the price follows your credit file. The nearest larger city, Waynesboro, TN about 10 miles away.
What Tennessee law requires in Collinwood
These are Tennessee's sourced lending facts as they reach Collinwood's 906 residents; the state has no city-level rate rule.
| 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 |
The anatomy of a Collinwood personal loan
Collinwood is a small community of about 906 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Collinwood's 906 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Collinwood decides the split between a comfortable payment and the total interest you pay.
Collinwood's place among Tennessee's 344 places
Against Tennessee's other places, Collinwood accounts for about 0.0% of the state's population and ranks 243rd of 344 by size. Its 2020-to-2023 change ranks 202nd of 344 Tennessee places, putting it near the 41th percentile for growth. By density, at about 326 people per square mile, it ranks 253rd in Tennessee. Within 50 miles sit 31 smaller Census places, alongside the 29 that are larger.
Land, water and location for Collinwood
Collinwood covers about 2.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 326 people per square mile. For the state's biggest city, Memphis, the distance is roughly 126 miles. Within 50 miles of Collinwood there are 29 larger Census places. The 100-mile radius contains 149 larger places.
Common questions
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Nearby places
- Waynesboro, TN — population 2,319
- St. Joseph, TN — population 819
- Loretto, TN — population 1,802
- Clifton, TN — population 2,257
- St. Florian, AL — population 704
- Florence, AL — population 42,437
- Killen, AL — population 1,035
- Waterloo, AL — population 183