Personal loans in Huntingdon, TN
Huntingdon is home to roughly 4,504 people and stands 109th by size out of 344 Census places in Tennessee. In Huntingdon, one of 344 Census places in Tennessee, the figure to compare across lenders is the APR, not the advertised rate. Use the calculator on this page to price an amount and term before you commit in Huntingdon. A single loan can carry different costs on either side of a state line, and Huntingdon sits on the Tennessee side of that line. Huntingdon gained roughly 1.4% in population across the 2020-to-2023 comparison. The nearest larger metro is McKenzie, TN about 10 miles away.
What the Census records for Huntingdon
What follows is Huntingdon's place in the Census record, alongside the Tennessee rules that govern a personal loan made here.
- Population: about 4,504, ranked 109th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 1.4% between 2020 and 2023.
- People gained or lost: about 61 more since the 2020 base.
- Size percentile: bigger than about 68% of the places in Tennessee, with 4,504 residents in Huntingdon.
- Population density: 380 people per square mile on 11.8 square miles of land.
- Land area rank: Huntingdon's 11.8 square miles rank 70th of 344 places in Tennessee.
- Water area rank: Huntingdon ranks 66th among Tennessee's 344 places, with 0.05 sq mi.
- Share of state population: Huntingdon's 4,504 residents are about 0.1% of Tennessee.
- Nationally: Huntingdon is the 5,139th-largest of 19,457 Census places in the dataset.
- Growth rank: Huntingdon's 2020-to-2023 change ranks 180th of 344 places in Tennessee.
- Against the state trend: Huntingdon's 1.4% change compares with a Tennessee average of +2.4% across its 344 places.
- Density rank: Huntingdon places 233rd among Tennessee's places by people per square mile.
- Against the state median: Huntingdon runs about 380 residents per square mile, where the Tennessee median is 553.
- Location: 36.0061, -88.4172 (Census Gazetteer coordinates).
- Nearest larger cities: McKenzie (10 mi); Milan (20 mi); Paris (21 mi); Medina (25 mi); Lexington (25 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Hollow Rock (9 mi); McLemoresville (9 mi); Clarksburg (9 mi).
- Smaller neighbours: 56 places smaller than Huntingdon sit within 50 miles.
- At 100 miles: 66 larger Census places fall inside that radius.
Which Tennessee laws govern a loan in Huntingdon
Every row below records a Tennessee rule, its publisher and its retrieval date — the same rules a Huntingdon lender must follow.
| 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 |
Borrowing reach in Huntingdon
With about 380 residents per square mile, Huntingdon is lightly settled, and 11 larger Census places sit within 50 miles. What is available to Huntingdon's 4,504 borrowers is set by Tennessee licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is McKenzie, TN about 10 miles away.
Huntingdon against the rest of Tennessee
Huntingdon is the 109th-largest of 344 Census places in Tennessee and contains about 0.1% of the state's people. For population change between 2020 and 2023, Huntingdon ranks 180th of 344 in Tennessee (about the 48th percentile). At about 380 people per square mile, Huntingdon is the 233rd most densely settled place in Tennessee. The population moved by about 61 people between 2020 and 2023, a 1.4% shift.
Where Huntingdon sits
The Census Gazetteer records 11.8 square miles of land and 0.05 square miles of water within Huntingdon. That land carries about 380 people per square mile. For the state's biggest city, Memphis, the distance is roughly 107 miles. Counting outward 50 miles, 11 larger communities surround Huntingdon. The 100-mile radius contains 66 larger places.
A pre-application checklist for Huntingdon
Complete these steps first when you borrow in Huntingdon (4,504 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.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Confirm the Tennessee licence with the regulator named above before committing.
- 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.
In Huntingdon as elsewhere in Tennessee, the written terms — not the advertisement — are what count for its 4,504 residents.
Common questions
What are my options in Huntingdon if my credit is poor?
What loan size can I expect in Huntingdon?
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Does comparing loans in Huntingdon cost me credit score points?
Nearby places
- Clarksburg, TN — population 383
- Hollow Rock, TN — population 699
- McKenzie, TN — population 5,586
- McLemoresville, TN — population 291
- Bruceton, TN — population 1,503
- Henry, TN — population 449
- Trezevant, TN — population 806
- Parker's Crossroads, TN — population 283