Personal loans in Whiteville, TN

Roughly 4,561 residents live in Whiteville, the 108th-largest community in Tennessee. In Whiteville, one of 344 Census places in Tennessee, the figure to compare across lenders is the APR, not the advertised rate. Whiteville shed about 0.4% of its population between the 2020 base and the 2023 estimate. Read the disclosure for an origination fee and any prepayment penalty before signing in Whiteville. Which products a lender may offer to Whiteville's 4,561 residents follows from the Tennessee consumer-lending framework. The nearest larger city is Bolivar, TN about 9 miles away.

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.

Borrowing in Whiteville: the local picture

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

Lender access in Whiteville

With about 1,730 residents per square mile, Whiteville is moderately settled, and 24 larger Census places sit within 50 miles. Whether Whiteville has a local branch or not, a Tennessee-licensed lender can serve its 4,561 people online on the same terms. For a larger market, the closest option is Bolivar, TN about 9 miles away.

Land, water and location for Whiteville

The Census Gazetteer records about 2.6 square miles of land within Whiteville, with no significant water area listed. With 4,561 residents, the land area yields roughly 1,730 people per square mile. Memphis, the largest place in Tennessee, is about 48 miles from Whiteville. Counting outward 50 miles, 24 larger communities surround Whiteville. The 100-mile radius contains 59 larger places.

How a Whiteville personal loan is priced

With roughly 4,561 residents, Whiteville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Whiteville's 4,561 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Whiteville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Whiteville against the rest of Tennessee

Within Tennessee, Whiteville holds roughly 0.1% of all residents, the 108th-largest share among 344 places. Its 2020-to-2023 change ranks 270th of 344 Tennessee places, putting it near the 22th percentile for growth. Its roughly 1,730 residents per square mile place it 15th among Tennessee's places. Within 50 miles sit 56 smaller Census places, alongside the 24 that are larger.

How Tennessee law applies in Whiteville

Tennessee has no separate rate rule for Whiteville; the sourced rows below are what reach every lender that serves its 4,561 people.

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

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