Personal loans in Friendship, TN
State law, not city hall, decides what a lender may do to Friendship's roughly 615 residents, and a state regulator supervises it. Friendship is home to roughly 615 people and stands 270th by size out of 344 Census places in Tennessee. In Friendship, one of 344 Census places in Tennessee, the figure to compare across lenders is the APR, not the advertised rate. Friendship gained roughly 0.7% in population across the 2020-to-2023 comparison. Rate-shopping from Friendship costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger metro is Halls, TN about 10 miles away.
Friendship 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: about 615 people live here, which puts Friendship 270th of 344 Census places in Tennessee (Vintage 2023).
- Population trend: A gain of roughly 0.7% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 4 residents.
- Size percentile: roughly 22% of Tennessee places rank below Friendship.
- Density: roughly 466 residents per square mile, spread over 1.3 sq mi of land.
- By land area: Friendship ranks 289th among Tennessee's 344 places, at 1.3 sq mi.
- Share of Tennessee: Friendship holds about 0.0% of the state's population, some 615 people.
- National rank: Friendship is the 12,319th most populous of the 19,457 Census places covered here.
- Growth in Tennessee: Friendship stands 213th by percentage change from 2020 to 2023, among 344 places.
- Against the state trend: Friendship's 0.7% change compares with a Tennessee average of +2.4% across its 344 places.
- Density rank: Friendship places 209th among Tennessee's places by people per square mile.
- Density vs Tennessee: Friendship's 466 people per square mile compare with a state median of 553.
- Location: 35.9084, -89.2414 (US Census Bureau Gazetteer).
- Nearest larger cities: Halls (10 mi); Gates (10 mi); Alamo (11 mi); Dyersburg (12 mi); Newbern (14 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Maury City (7 mi); Yorkville (15 mi); Gadsden (17 mi), each with its own Census population profile.
- Smaller neighbours: 35 places smaller than Friendship sit within 50 miles.
- Larger places within 100 miles: 183.
A pre-application checklist for Friendship
Before you hand your details to a lender in Friendship, where the population is near 615:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Tennessee licence with the regulator named above before committing.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Be clear on what the loan is for and how it gets repaid.
What differs between Friendship and the rest of Tennessee is not the process but the borrower's own file, among the 615 people here.
The state rulebook for Friendship
This table holds the Tennessee rate and licensing rules for consumer loans made to Friendship's 615 residents.
| 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 |
| 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 |
| 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 |
Friendship's place among Tennessee's 344 places
Set beside Tennessee's 344 places, Friendship ranks 270th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Friendship stands 213th among Tennessee's 344 places — roughly the 38th percentile. Its roughly 466 residents per square mile place it 209th among Tennessee's places. The population moved by about 4 people between 2020 and 2023, a 0.7% shift.
Where Friendship sits
The Census Gazetteer records about 1.3 square miles of land within Friendship, with no significant water area listed. With 615 residents, the land area yields roughly 466 people per square mile. The largest place in Tennessee, Memphis, lies about 69 miles away. Counting outward 50 miles, 54 larger communities surround Friendship. By land area it ranks 289th of 344 Tennessee places.
What shapes a Friendship personal loan
In Friendship, a small community of about 615, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Friendship lender to disclose the APR and finance charge before you sign. Shortening the term on a Friendship loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
What are my options in Friendship if my credit is poor?
What loan size can I expect in Friendship?
Do I have to pledge anything to borrow in Friendship?
Does comparing loans in Friendship cost me credit score points?
Nearby places
- Maury City, TN — population 584
- Halls, TN — population 2,049
- Alamo, TN — population 2,333
- Gates, TN — population 654
- Dyersburg, TN — population 15,968
- Newbern, TN — population 3,274
- Yorkville, TN — population 230
- Bells, TN — population 2,475