Personal loans in Dyersburg, TN
Dyersburg, Tennessee — home to about 15,968 people — is a small town, so the terms you are offered follow Tennessee law rather than any local rule. Dyersburg shed about 1.2% of its population between the 2020 base and the 2023 estimate.
The Census estimates 15,968 residents in Dyersburg, which ranks it 36th of 344 places in Tennessee. Use the calculator on this page to price an amount and term before you commit in Dyersburg. State law, not city hall, decides what a lender may do to Dyersburg's roughly 15,968 residents, and a state regulator supervises it. The closest larger place is Jackson, TN about 41 miles away.
Dyersburg: the sourced local profile
Dyersburg is a small town; the notes below cover its population profile and the statewide rules that apply.
- Population: 15,968 — Dyersburg ranks 36th of 344 communities in Tennessee (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 1.2% across the 2020-to-2023 comparison.
- Net change: roughly 199 fewer people than the 2020 Census counted.
- Size percentile: about 90% of Tennessee's Census places are smaller than Dyersburg.
- Density: roughly 922 residents per square mile, spread over 17.3 sq mi of land.
- By land area: Dyersburg ranks 44th among Tennessee's 344 places, at 17.3 sq mi.
- Water: Dyersburg holds about 0.11 square miles, the 52nd-largest water area in Tennessee.
- State share: roughly 0.4% of Tennessee's residents live in Dyersburg (15,968 people).
- Nationally: Dyersburg is the 2,261st-largest of 19,457 Census places in the dataset.
- Growth in Tennessee: Dyersburg stands 295th by percentage change from 2020 to 2023, among 344 places.
- State comparison: Tennessee's places average +2.4% for 2020-to-2023, against Dyersburg's 1.2%.
- Density rank: Dyersburg is the 75th most densely settled place in Tennessee.
- Density vs Tennessee: Dyersburg's 922 people per square mile compare with a state median of 553.
- Location: it lies at 36.0468, -89.3780 in the Census Gazetteer.
- Nearest larger cities: Jackson (41 mi); Sikeston (59 mi); Bartlett (61 mi); Paragould (63 mi); Germantown (70 mi). Living near a larger metro rarely changes what is available in Dyersburg.
- Smaller communities within reach: Newbern (8 mi); Halls (12 mi); Friendship (12 mi).
- Smaller neighbours: 97 places smaller than Dyersburg sit within 50 miles.
- At 100 miles: 17 larger Census places fall inside that radius.
The Tennessee lending rules that reach Dyersburg
When Tennessee does not publish a figure, the row links to the source instead of inventing a number; Dyersburg 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 |
| Small-loan / installment lender licensing | TDFI 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 |
| 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 |
A pre-application checklist for Dyersburg
These steps shape the offer you get in Dyersburg, a place of about 15,968 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the Tennessee regulator's records to confirm the lender is licensed here.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
The process is identical across Tennessee; what changes is your credit file, not the fact that Dyersburg holds 15,968 people.
How lenders reach Dyersburg
Dyersburg is a moderately settled community of about 15,968 people, with 1 larger places inside a 50-mile radius. Distance to a branch rarely matters for Dyersburg's 15,968 residents: the application is online and the price follows your credit file. The nearest bigger place is Jackson, TN about 41 miles away.
Dyersburg against the rest of Tennessee
Within Tennessee, Dyersburg holds roughly 0.4% of all residents, the 36th-largest share among 344 places. For population change between 2020 and 2023, Dyersburg ranks 295th of 344 in Tennessee (about the 14th percentile). At about 922 people per square mile, Dyersburg is the 75th most densely settled place in Tennessee. Within 50 miles sit 97 smaller Census places, alongside the 1 that are larger.
What shapes a Dyersburg personal loan
Most loans made to Dyersburg's 15,968 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Dyersburg can be quoted different APRs on the same amount and term. The term you choose in Dyersburg decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Newbern, TN — population 3,274
- Halls, TN — population 2,049
- Friendship, TN — population 615
- Gates, TN — population 654
- Ridgely, TN — population 1,613
- Trimble, TN — population 535
- Yorkville, TN — population 230
- Maury City, TN — population 584