Personal loans in Powells Crossroads, TN
Powells Crossroads is a small community in Tennessee, with an estimated 1,282 residents, and every licensed lender here follows the same state rulebook.
With 1,282 residents, Powells Crossroads outranks about 37% of the communities in Tennessee. Census figures put the 2020-to-2023 decrease in Powells Crossroads at about 1.2%. Lenders active in Powells Crossroads report to a Tennessee supervisor, identified in the sourced rows below. Verify the lender's Tennessee licence against the regulator named below before borrowing in Powells Crossroads. A larger market lies at Whitwell, TN about 2 miles away.
Powells Crossroads by the numbers
Most of what governs a Powells Crossroads loan is written in Tennessee law rather than in the city; the sourced notes below make that split concrete.
- Population: 1,282 residents; Powells Crossroads is the 218th-largest of 344 places in Tennessee (US Census Bureau, Vintage 2023).
- Population trend: About 1.2% below the 2020 Census base.
- Absolute change: 16 residents lost between 2020 and 2023.
- Size percentile: Powells Crossroads's 1,282 people outrank roughly 37% of the places in Tennessee.
- Density: roughly 262 residents per square mile, spread over 4.9 sq mi of land.
- By land area: Powells Crossroads ranks 168th among Tennessee's 344 places, at 4.9 sq mi.
- Share of state population: Powells Crossroads's 1,282 residents are about 0.0% of Tennessee.
- National rank: Powells Crossroads is the 9,308th most populous of the 19,457 Census places covered here.
- Growth rank: Powells Crossroads's 2020-to-2023 change ranks 296th of 344 places in Tennessee.
- Against the state trend: Powells Crossroads's 1.2% change compares with a Tennessee average of +2.4% across its 344 places.
- Density rank: Powells Crossroads places 276th among Tennessee's places by people per square mile.
- Against the state median: Powells Crossroads runs about 262 residents per square mile, where the Tennessee median is 553.
- Location: it lies at 35.1848, -85.4848 in the Census Gazetteer.
- Nearest larger cities: Whitwell (2 mi); Signal Mountain (9 mi); Walden (10 mi); Jasper (11 mi); Red Bank (12 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Palmer (13 mi); New Hope (16 mi); Ridgeside (17 mi).
- Within a 50-mile radius: 28 smaller Census places.
- Larger places within 100 miles: 165.
How Powells Crossroads compares across Tennessee
Within Tennessee, Powells Crossroads holds roughly 0.0% of all residents, the 218th-largest share among 344 places. For population change between 2020 and 2023, Powells Crossroads ranks 296th of 344 in Tennessee (about the 14th percentile). Its roughly 262 residents per square mile place it 276th among Tennessee's places. Between 2020 and 2023 the count changed by roughly 16 residents.
Getting a loan in Powells Crossroads
Powells Crossroads is a lightly settled community of about 1,282 people, with 50 larger places inside a 50-mile radius. A Tennessee licence lets a lender serve Powells Crossroads without a local office, so branch density does not change what its 1,282 residents are offered. The nearest bigger place is Whitwell, TN about 2 miles away.
The state rulebook for Powells Crossroads
These are Tennessee's sourced lending facts as they reach Powells Crossroads's 1,282 residents; the state has no city-level rate rule.
| 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 |
Inside a Powells Crossroads personal loan
Most loans made to Powells Crossroads's 1,282 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Powells Crossroads's 1,282 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Powells Crossroads loan is knowable in advance — unlike a revolving card balance.
Powells Crossroads on the map
Powells Crossroads's land area is roughly 4.9 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 262 people per square mile. The state's population centre of gravity, Memphis, is roughly 253 miles away. Powells Crossroads has 50 larger places within a 50-mile radius. By land area it ranks 168th of 344 Tennessee places.
Common questions
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Nearby places
- Whitwell, TN — population 1,612
- Signal Mountain, TN — population 8,916
- Walden, TN — population 1,979
- Jasper, TN — population 3,621
- Palmer, TN — population 570
- Red Bank, TN — population 12,065
- Dunlap, TN — population 5,804
- Lookout Mountain, TN — population 2,053