Personal loans in Livingston, TN

Local context for Livingston

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

• Population: 4,040 — Livingston ranks 119th of 344 communities in Tennessee (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 3.5% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 138 residents.
• Size percentile: about 65% of Tennessee's Census places are smaller than Livingston.
• Population density: about 621 people per square mile across 6.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Livingston ranks 132nd among Tennessee's 344 places, at 6.5 sq mi.
• Water area rank: Livingston ranks 98th among Tennessee's 344 places, with 0.02 sq mi.
• Within Tennessee: about 0.1% of the state's population lives in Livingston.
• National rank: Livingston is the 5,432nd most populous of the 19,457 Census places covered here.
• Growth rank: Livingston's 2020-to-2023 change ranks 108th of 344 places in Tennessee.
• Versus Tennessee: the state average change is +2.4%, while Livingston moved 3.5%.
• Density in Tennessee: Livingston ranks 149th by people per square mile.
• Density in context: Livingston's 621 people per square mile sit against a Tennessee median of 553.
• Location: coordinates 36.3866, -85.3261 (US Census Bureau Gazetteer).
• Nearest larger cities: Algood (15 mi); Cookeville (20 mi); Sparta (32 mi); Crossville (34 mi); Lafayette (40 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Celina (15 mi); Byrdstown (17 mi); Monterey (17 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 31 smaller Census places.
• Larger places within 100 miles: 82.

Livingston on the map

Livingston covers about 6.5 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). With 4,040 residents, the land area yields roughly 621 people per square mile. For the state's biggest city, Memphis, the distance is roughly 275 miles. Counting outward 50 miles, 9 larger communities surround Livingston. The 100-mile radius contains 82 larger places.

Before you apply in Livingston

A sensible order of operations for a loan in Livingston, home to about 4,040 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Tennessee licence with the regulator listed on this page.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Livingston-specific: the same Tennessee licensing and disclosure rules reach all 4,040 residents.

Borrowing reach in Livingston

With about 621 residents per square mile, Livingston is moderately settled, and 9 larger Census places sit within 50 miles. Whether Livingston has a local branch or not, a Tennessee-licensed lender can serve its 4,040 people online on the same terms. The nearest bigger place is Algood, TN about 15 miles away.

Livingston's place among Tennessee's 344 places

Among Tennessee's 344 places, Livingston sits at 119th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Livingston stands 108th among Tennessee's 344 places — roughly the 69th percentile. By density, at about 621 people per square mile, it ranks 149th in Tennessee. In land area, Livingston ranks 132nd among Tennessee's 344 places.

How Tennessee law applies in Livingston

Tennessee has no separate rate rule for Livingston; the sourced rows below are what reach every lender that serves its 4,040 people.