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.

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.

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.

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.

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

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.

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

Related