Personal loans in Woodbury, TN
A 2020-to-2023 comparison shows Woodbury up by about 5.4%. The roughly 2,849 people who live in Woodbury borrow under Tennessee rules; city hall sets no personal-loan rate.
With an estimated 2,849 residents, Woodbury is the 138th-largest of 344 places in Tennessee. Borrowers who want a bigger city can look to Smithville, TN about 17 miles away. Every figure below is Tennessee's own, applied to Woodbury's 2,849 residents, with the publisher and retrieval date attached. Judge Woodbury offers on total cost, not on how quickly the money arrives.
What the Census records for Woodbury
Set out below is Woodbury's local context next to the state-level rules that reach every lender here.
- Population: about 2,849, ranked 138th of 344 places in Tennessee (Census Vintage 2023 subcounty estimate).
- Population trend: About 5.4% above the 2020 Census base.
- Absolute change: 147 residents added between 2020 and 2023.
- Size percentile: Woodbury's 2,849 people outrank roughly 60% of the places in Tennessee.
- Density: roughly 1,440 residents per square mile, spread over 2.0 sq mi of land.
- Land area rank: Woodbury's 2.0 square miles rank 256th of 344 places in Tennessee.
- Share of state population: Woodbury's 2,849 residents are about 0.1% of Tennessee.
- Nationally: Woodbury is the 6,434th-largest of 19,457 Census places in the dataset.
- Growth rank: Woodbury's 2020-to-2023 change ranks 61st of 344 places in Tennessee.
- Versus Tennessee: the state average change is +2.4%, while Woodbury moved 5.4%.
- Density in Tennessee: Woodbury ranks 27th by people per square mile.
- Density in context: Woodbury's 1,440 people per square mile sit against a Tennessee median of 553.
- Location: latitude 35.8247, longitude -86.0724 (Census Gazetteer).
- Nearest larger cities: Smithville (17 mi); McMinnville (19 mi); Murfreesboro (20 mi); Manchester (25 mi); Smyrna (27 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Auburntown (9 mi); Centertown (11 mi); Liberty (14 mi), each with its own Census population profile.
- Within a 50-mile radius: 34 smaller Census places.
- At 100 miles: 94 larger Census places fall inside that radius.
What is available to Woodbury borrowers
At roughly 1,440 people per square mile, Woodbury is moderately settled; 29 larger places lie within 50 miles. Whether Woodbury has a local branch or not, a Tennessee-licensed lender can serve its 2,849 people online on the same terms. The nearest larger city, Smithville, TN about 17 miles away.
The anatomy of a Woodbury personal loan
In Woodbury, a small community of about 2,849, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Woodbury. Because the payment is fixed, the total cost of a Woodbury loan is knowable in advance — unlike a revolving card balance.
Woodbury: area, density and distance
The Census Gazetteer records about 2.0 square miles of land within Woodbury, with no significant water area listed. That land carries about 1,440 people per square mile. For the state's biggest city, Memphis, the distance is roughly 225 miles. A 50-mile radius around Woodbury takes in 29 places that are larger. By land area it ranks 256th of 344 Tennessee places.
The Tennessee lending rules that reach Woodbury
When Tennessee does not publish a figure, the row links to the source instead of inventing a number; Woodbury is bound by the same rules.
| 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 |
Where Woodbury sits in Tennessee
Among Tennessee's 344 places, Woodbury sits at 138th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Woodbury ranks 61st of 344 in Tennessee (about the 82th percentile). By density, at about 1,440 people per square mile, it ranks 27th in Tennessee. The population moved by about 147 people between 2020 and 2023, a 5.4% shift.
Common questions
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Nearby places
- Auburntown, TN — population 281
- Centertown, TN — population 314
- Liberty, TN — population 339
- Dowelltown, TN — population 361
- Alexandria, TN — population 990
- Morrison, TN — population 771
- Watertown, TN — population 1,605
- Smithville, TN — population 5,392