TN · LOAN-AGMT · Updated July 2026 · Free
Tennessee Loan Agreement
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Tennessee at a glance: Usury Cap: 4% above formula rate · Governing Law: Tennessee Code Title 47
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Overview
Loan Agreements in Tennessee
Tennessee caps interest rates on written contracts at 4 percentage points above the formula rate published by the commissioner of financial institutions (Tenn. Code § 47-14-103).
Key Facts
Tennessee Loan Agreement — Quick Reference
| Requirement | Tennessee Rule |
|---|---|
| Usury Cap | 4% above formula rate |
| Governing Law | Tennessee Code Title 47 |
Legal Requirements
Tennessee Legal Requirements
- Interest rates must comply with Tennessee statutory limits.
Governing Laws
Tennessee Governing Laws
Read the full text of these laws at Cornell Law School's Tennessee legal resources or your state legislature's official website.
Questions & Answers
Tennessee Loan Agreement — Frequently Asked Questions
What is the default contract interest rate in Tennessee?
10% per year.