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.
Borrowing in Whiteville: the local picture
The figures below are Whiteville's own — Census population, land area and coordinates — followed by the Tennessee rules.
- Population: 4,561 residents; Whiteville is the 108th-largest of 344 places in Tennessee (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 0.4% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 17 residents.
- Size percentile: bigger than about 69% of the places in Tennessee, with 4,561 residents in Whiteville.
- Density: roughly 1,730 residents per square mile, spread over 2.6 sq mi of land.
- Land area rank: Whiteville's 2.6 square miles rank 231st of 344 places in Tennessee.
- Within Tennessee: about 0.1% of the state's population lives in Whiteville.
- National rank: Whiteville sits 5,090th by population among the 19,457 places in this dataset.
- Growth rank: Whiteville ranks 270th among Tennessee's 344 places for the 2020-to-2023 change.
- Against the state trend: Whiteville's 0.4% change compares with a Tennessee average of +2.4% across its 344 places.
- Density rank: Whiteville is the 15th most densely settled place in Tennessee.
- Density vs Tennessee: Whiteville's 1,730 people per square mile compare with a state median of 553.
- Location: mapped by the US Census Bureau at 35.3179, -89.1497.
- Nearest larger cities: Bolivar (9 mi); Brownsville (20 mi); Oakland (23 mi); Henderson (29 mi); Arlington (29 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Hickory Valley (11 mi); Toone (11 mi); Somerville (14 mi).
- Smaller places within 50 miles: 56 of them.
- Larger places within 100 miles: 59.
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.
| 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 |
Common questions
What are my options in Whiteville if my credit is poor?
What loan size can I expect in Whiteville?
Do I have to pledge anything to borrow in Whiteville?
Does comparing loans in Whiteville cost me credit score points?
Nearby places
- Bolivar, TN — population 5,136
- Hickory Valley, TN — population 80
- Toone, TN — population 269
- Somerville, TN — population 3,525
- Grand Junction, TN — population 338
- Saulsbury, TN — population 113
- Williston, TN — population 338
- La Grange, TN — population 122