Personal loans in Piperton, TN
Which products a lender may offer to Piperton's 2,689 residents follows from the Tennessee consumer-lending framework.
A personal loan in Piperton is priced from your credit file and income, not from the fact that the city holds 2,689 people. With 2,689 residents, Piperton outranks about 58% of the communities in Tennessee. Census figures put the 2020-to-2023 increase in Piperton at about 18.8%. Read the disclosure for an origination fee and any prepayment penalty before signing in Piperton. The nearest larger city is Collierville, TN about 5 miles away.
Where Piperton stands
Only a few things actually differ by place — population, area, location, and the Tennessee rules a lender must follow — and they are below.
- Population: a Census-estimated 2,689, 143rd among Tennessee's 344 places (Vintage 2023).
- Population trend: Up about 18.8% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a gain of about 425 residents.
- Size percentile: roughly 58% of Tennessee places rank below Piperton.
- Population density: about 99 people per square mile (Census land area 27.2 sq mi).
- Land area: Piperton covers 27.2 square miles, the 27th-largest area among Tennessee's 344 places.
- Water: Piperton holds about 0.13 square miles, the 49th-largest water area in Tennessee.
- State share: roughly 0.1% of Tennessee's residents live in Piperton (2,689 people).
- National rank: Piperton is 6,625th of 19,457 places nationwide.
- Growth rank: Piperton's 2020-to-2023 change ranks 4th of 344 places in Tennessee.
- Versus Tennessee: the state average change is +2.4%, while Piperton moved 18.8%.
- Density in Tennessee: Piperton ranks 331st by people per square mile.
- Against the state median: Piperton runs about 99 residents per square mile, where the Tennessee median is 553.
- Location: 35.0528 / -89.6096, per the US Census Bureau Gazetteer.
- Nearest larger cities: Collierville (5 mi); Germantown (10 mi); Oakland (13 mi); Arlington (14 mi); Olive Branch (15 mi). Living near a larger metro rarely changes what is available in Piperton.
- Smaller places close by: Rossville (3 mi); Moscow (13 mi); Byhalia (13 mi).
- Smaller neighbours: 49 places smaller than Piperton sit within 50 miles.
- Within 100 miles: 78 places are larger than Piperton.
How Tennessee law applies in Piperton
Read the table as a lender's compliance picture for Piperton: the rule, the sourced figure, the publisher and the date.
| 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 |
Piperton against the rest of Tennessee
Piperton is the 143rd-largest of 344 Census places in Tennessee and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 4th of 344 Tennessee places, putting it near the 99th percentile for growth. By density, at about 99 people per square mile, it ranks 331st in Tennessee. By land area, its 27.2 square miles rank 27th of 344 places in Tennessee.
Lender access in Piperton
At roughly 99 people per square mile, Piperton is sparsely settled; 28 larger places lie within 50 miles. A Tennessee licence lets a lender serve Piperton without a local office, so branch density does not change what its 2,689 residents are offered. The nearest bigger place is Collierville, TN about 5 miles away.
Piperton on the map
Piperton covers about 27.2 square miles of land, with 0.13 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 99 people per square mile. For the state's biggest city, Memphis, the distance is roughly 21 miles. A 50-mile radius around Piperton takes in 28 places that are larger. The 100-mile radius contains 78 larger places.
How a Piperton personal loan is priced
With roughly 2,689 residents, Piperton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Piperton loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Piperton loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Rossville, TN — population 1,166
- Collierville, TN — population 51,317
- Germantown, TN — population 40,267
- Oakland, TN — population 10,488
- Byhalia, MS — population 1,357
- Arlington, TN — population 15,305
- Moscow, TN — population 562
- Lakeland, TN — population 14,147