Personal loans in Decaturville, TN

Two households in Decaturville with comparable incomes can still be offered different rates; the city's 805 residents are not the reason. A 2020-to-2023 comparison shows Decaturville up by about 0.1%. At about 805 residents, Decaturville is larger than roughly 26% of the places in Tennessee. Work out your debt-to-income ratio first; lenders weigh it heavily, and Decaturville's 805 residents are no exception. To lend to Decaturville's 805 residents, a company must hold a Tennessee licence, and each sourced row below names the regulator behind it. The closest larger place is Parsons, TN about 5 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Local context for Decaturville

Here is the sourced Census picture for Decaturville, plus the Tennessee lending rules that apply to a loan taken out here.

How Tennessee law applies in Decaturville

The rows below set out what a licensed lender must follow in Tennessee, and so for Decaturville's roughly 805 residents.

RuleDetailSource
State lending regulatorTennessee 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
Payday lending statusLicensed; 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
Small-loan / installment lender licensingTDFI Compliance Division licenses industrial loan & thrift companies, deferred presentment companies, flexible credit companies, and other consumer lenders
Source says: The Compliance Division is responsible for the licensing and regulatory supervision of the following types of financial institutions operating in Tennessee
Tennessee Department of Financial Institutions (TDFI)
as of 2026-09-16

Where Decaturville sits in Tennessee

Among Tennessee's 344 places, Decaturville sits at 253rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Decaturville ranks 242nd of 344 in Tennessee (about the 30th percentile). By density, at about 487 people per square mile, it ranks 193rd in Tennessee. The population moved by about 1 people between 2020 and 2023, a 0.1% shift.

Decaturville on the map

Inside Decaturville's boundaries lie about 1.7 square miles of land, with no significant water area recorded. The resulting density is about 487 people per square mile. The state's population centre of gravity, Memphis, is roughly 109 miles away. A 50-mile radius around Decaturville takes in 32 places that are larger. By land area it ranks 272nd of 344 Tennessee places.

Borrowing reach in Decaturville

Decaturville is a lightly settled community of about 805 people, with 32 larger places inside a 50-mile radius. A Tennessee licence lets a lender serve Decaturville without a local office, so branch density does not change what its 805 residents are offered. The nearest larger city, Parsons, TN about 5 miles away.

The anatomy of a Decaturville personal loan

With roughly 805 residents, Decaturville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Decaturville's rank of 253rd in Tennessee: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Decaturville decides the split between a comfortable payment and the total interest you pay.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Decaturville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Decaturville is the same as anywhere in Tennessee.
What loan size can I expect in Decaturville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Decaturville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Decaturville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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