Personal loans in Rocky Top, TN

The 2020 count to the 2023 estimate shows about 0.6% growth in Rocky Top. By population, Rocky Top sits at 193rd in Tennessee, with an estimated 1,640 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

The first question in Rocky Top is not the rate on offer but whether the payment fits; about 1,640 people live here under Tennessee lending law. If debt is already a strain, a nonprofit credit counsellor can help Rocky Top residents before they take on more. Rate ceilings, licensing requirements and product limits for Rocky Top are all set at the Tennessee level. A larger market lies at Caryville, TN about 6 miles away.

Rocky Top by the numbers

The figures below are Rocky Top's own — Census population, land area and coordinates — followed by the Tennessee rules.

Inside a Rocky Top personal loan

With roughly 1,640 residents, Rocky Top is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Rocky Top's rank of 193rd in Tennessee: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Rocky Top loan is knowable in advance — unlike a revolving card balance.

Which Tennessee laws govern a loan in Rocky Top

Every row below records a Tennessee rule, its publisher and its retrieval date — the same rules a Rocky Top lender must follow.

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
Payday lending statusLicensed; 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
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

Getting a loan in Rocky Top

Rocky Top is moderately settled, with about 1,013 people per square mile and 40 larger places within 50 miles. What is available to Rocky Top's 1,640 borrowers is set by Tennessee licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Caryville, TN about 6 miles away.

Rocky Top in state context

Set beside Tennessee's 344 places, Rocky Top ranks 193rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Rocky Top stands 218th among Tennessee's 344 places — roughly the 37th percentile. Its roughly 1,013 residents per square mile place it 63rd among Tennessee's places. The population moved by about 9 people between 2020 and 2023, a 0.6% shift.

Land, water and location for Rocky Top

Inside Rocky Top's boundaries lie about 1.6 square miles of land, with no significant water area recorded. With 1,640 residents, the land area yields roughly 1,013 people per square mile. The state's population centre of gravity, Memphis, is roughly 335 miles away. Within 50 miles of Rocky Top there are 40 larger Census places. Within the same 50 miles lie 17 smaller Census places.

Compare personal loan offers Run the numbers first

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

Nearby places

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