Personal loans in Mitchellville, TN
Mitchellville, Tennessee — home to about 158 people — is a small community, so the terms you are offered follow Tennessee law rather than any local rule.
A single loan can carry different costs on either side of a state line, and Mitchellville sits on the Tennessee side of that line. The Census counts 158 people in Mitchellville, the 336th-largest figure among Tennessee's 344 places. For a community of about 158, the practical step is to compare APR across at least three lenders before committing. From the 2020 Census base to the 2023 estimate, the population declined by about 1.9%. The next larger city is Portland, TN about 3 miles away.
Where Mitchellville stands
Most of what governs a Mitchellville loan is written in Tennessee law rather than in the city; the sourced notes below make that split concrete.
- Population: 158 — Mitchellville ranks 336th of 344 communities in Tennessee (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 1.9% across the 2020-to-2023 comparison.
- Net change: roughly 3 fewer people than the 2020 Census counted.
- Size percentile: Mitchellville sits ahead of around 2% of Tennessee places, at 158 people.
- Population density: 294 people per square mile on 0.5 square miles of land.
- Land area: Mitchellville covers 0.5 square miles, the 333rd-largest area among Tennessee's 344 places.
- Share of Tennessee: Mitchellville holds about 0.0% of the state's population, some 158 people.
- National rank: Mitchellville is the 17,158th most populous of the 19,457 Census places covered here.
- Growth rank: Mitchellville ranks 310th among Tennessee's 344 places for the 2020-to-2023 change.
- Versus Tennessee: the state average change is +2.4%, while Mitchellville moved 1.9%.
- Density rank: Mitchellville places 263rd among Tennessee's places by people per square mile.
- Density in context: Mitchellville's 294 people per square mile sit against a Tennessee median of 553.
- Location: it lies at 36.6343, -86.5400 in the Census Gazetteer.
- Nearest larger cities: Portland (3 mi); Franklin (6 mi); Orlinda (9 mi); Cross Plains (10 mi); White House (14 mi). Online lenders reach Mitchellville no matter how far the nearest branch is.
- Nearest smaller towns: Woodbury (38 mi); Rochester (44 mi); South Carrollton (59 mi) — useful context for the surrounding area.
- Smaller neighbours: 2 places smaller than Mitchellville sit within 50 miles.
- At 100 miles: 213 larger Census places fall inside that radius.
Where Mitchellville sits in Tennessee
Mitchellville is the 336th-largest of 344 Census places in Tennessee and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 310th of 344 Tennessee places, putting it near the 10th percentile for growth. By density, at about 294 people per square mile, it ranks 263rd in Tennessee. Within 50 miles sit 2 smaller Census places, alongside the 63 that are larger.
A practical checklist for Mitchellville borrowers
For Mitchellville's roughly 158 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Shop at least three lenders and judge them on APR and total cost.
- Verify the lender's Tennessee licence with the regulator listed on this page.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
The process is identical across Tennessee; what changes is your credit file, not the fact that Mitchellville holds 158 people.
Borrowing reach in Mitchellville
Mitchellville is a lightly settled community of about 158 people, with 63 larger places inside a 50-mile radius. Whether Mitchellville has a local branch or not, a Tennessee-licensed lender can serve its 158 people online on the same terms. The nearest bigger place is Portland, TN about 3 miles away.
Tennessee rules behind a Mitchellville personal loan
Below are the Tennessee rules that apply to a loan made in Mitchellville, each with the regulator that issued it.
| 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 |
The anatomy of a Mitchellville personal loan
In Mitchellville, a small community of about 158, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Mitchellville can be quoted different APRs on the same amount and term. The term you choose in Mitchellville decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Mitchellville if my credit is poor?
What loan size can I expect in Mitchellville?
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Does comparing loans in Mitchellville cost me credit score points?
Nearby places
- Portland, TN — population 13,578
- Franklin, KY — population 10,468
- Cross Plains, TN — population 1,893
- Orlinda, TN — population 993
- Woodburn, KY — population 317
- White House, TN — population 15,340
- Gallatin, TN — population 50,355
- Auburn, KY — population 1,637