Personal loans in Milledgeville, TN

The Census estimates 277 residents in Milledgeville, which ranks it 323rd of 344 places in Tennessee. In Milledgeville, one of 344 Census places in Tennessee, the figure to compare across lenders is the APR, not the advertised rate.

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.

Verify the lender's Tennessee licence against the regulator named below before borrowing in Milledgeville. State law, not city hall, decides what a lender may do to Milledgeville's roughly 277 residents, and a state regulator supervises it. Milledgeville gained roughly 1.5% in population across the 2020-to-2023 comparison. Borrowers who want a bigger city can look to Sardis, TN about 6 miles away.

Milledgeville: population, trend and location

Only a few things actually differ by place — population, area, location, and the Tennessee rules a lender must follow — and they are below.

What is available to Milledgeville borrowers

Milledgeville is a lightly settled community of about 277 people, with 53 larger places inside a 50-mile radius. A Tennessee licence lets a lender serve Milledgeville without a local office, so branch density does not change what its 277 residents are offered. The nearest larger city, Sardis, TN about 6 miles away.

The Tennessee lending rules that reach Milledgeville

These are Tennessee's sourced lending facts as they reach Milledgeville's 277 residents; the state has no city-level rate rule.

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
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
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

Milledgeville against the rest of Tennessee

Milledgeville is the 323rd-largest of 344 Census places in Tennessee and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 174th of 344 Tennessee places, putting it near the 49th percentile for growth. Its roughly 172 residents per square mile place it 309th among Tennessee's places. By land area, its 1.6 square miles rank 277th of 344 places in Tennessee.

What a Milledgeville borrower is actually offered

With roughly 277 residents, Milledgeville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Milledgeville loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Milledgeville decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Milledgeville

Milledgeville's land area is roughly 1.6 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 172 people per square mile. The largest place in Tennessee, Memphis, lies about 92 miles away. Within 50 miles of Milledgeville there are 53 larger Census places. By land area it ranks 277th of 344 Tennessee places.

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 Milledgeville 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 Milledgeville is the same as anywhere in Tennessee.
What loan size can I expect in Milledgeville?
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 Milledgeville?
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 Milledgeville 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.

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