Personal loans in Copperhill, TN
The Census counts 451 people in Copperhill, the 294th-largest figure among Tennessee's 344 places. In Copperhill, one of 344 Census places in Tennessee, the figure to compare across lenders is the APR, not the advertised rate.
The trend for Copperhill between 2020 and 2023 is upward by roughly 2.3%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Copperhill loan. Rate ceilings, licensing requirements and product limits for Copperhill are all set at the Tennessee level. A larger market lies at McCaysville, GA about 2 miles away.
Copperhill by the numbers
Only a few things actually differ by place — population, area, location, and the Tennessee rules a lender must follow — and they are below.
- Population: 451 people, a figure that places Copperhill 294th among the 344 Census places in Tennessee (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 2.3% since the 2020 count.
- Absolute change: 10 residents added between 2020 and 2023.
- Size percentile: roughly 15% of Tennessee's places have fewer residents than Copperhill's 451.
- Density: the Census land area of 1.8 sq mi holds about 255 people per square mile.
- By land area: Copperhill ranks 265th among Tennessee's 344 places, at 1.8 sq mi.
- Water: Copperhill holds about 0.03 square miles, the 85th-largest water area in Tennessee.
- Within Tennessee: about 0.0% of the state's population lives in Copperhill.
- National rank: Copperhill sits 13,588th by population among the 19,457 places in this dataset.
- Growth rank: Copperhill ranks 150th among Tennessee's 344 places for the 2020-to-2023 change.
- Versus Tennessee: the state average change is +2.4%, while Copperhill moved 2.3%.
- Density in Tennessee: Copperhill ranks 282nd by people per square mile.
- Density in context: Copperhill's 255 people per square mile sit against a Tennessee median of 553.
- Location: mapped by the US Census Bureau at 34.9990, -84.3913.
- Nearest larger cities: McCaysville (2 mi); Blue Ridge (10 mi); Benton (19 mi); Murphy (22 mi); Ellijay (22 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Morganton (12 mi); Talking Rock (33 mi); Lake Santeetlah (39 mi).
- Within a 50-mile radius: 6 smaller Census places.
- At 100 miles: 288 larger Census places fall inside that radius.
Copperhill against the rest of Tennessee
Copperhill is the 294th-largest of 344 Census places in Tennessee and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Copperhill stands 150th among Tennessee's 344 places — roughly the 56th percentile. By density, at about 255 people per square mile, it ranks 282nd in Tennessee. In land area, Copperhill ranks 265th among Tennessee's 344 places.
Which Tennessee laws govern a loan in Copperhill
When Tennessee does not publish a figure, the row links to the source instead of inventing a number; Copperhill 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 |
Steps to take before a Copperhill loan
Complete these steps first when you borrow in Copperhill (451 residents):
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Make sure the lender appears in the Tennessee regulator's licence list.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Decide the purpose and how you will repay it before approaching any lender.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
None of these steps is Copperhill-specific: the same Tennessee licensing and disclosure rules reach all 451 residents.
Copperhill: area, density and distance
Copperhill covers about 1.8 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). With 451 residents, the land area yields roughly 255 people per square mile. The largest place in Tennessee, Memphis, lies about 315 miles away. Counting outward 50 miles, 52 larger communities surround Copperhill. By land area it ranks 265th of 344 Tennessee places.
What is available to Copperhill borrowers
At roughly 255 people per square mile, Copperhill is lightly settled; 52 larger places lie within 50 miles. Lenders licensed in Tennessee reach Copperhill's 451 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is McCaysville, GA about 2 miles away.
Common questions
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Nearby places
- McCaysville, GA — population 1,169
- Ducktown, TN — population 451
- Blue Ridge, GA — population 1,233
- Morganton, GA — population 297
- Benton, TN — population 1,444
- Ellijay, GA — population 1,938
- East Ellijay, GA — population 1,394
- Etowah, TN — population 3,690