TN · PROM-NOTE · Updated July 2026 · Free
Tennessee Promissory Note PDF
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Tennessee at a glance: Usury Limit: 4% above formula rate · Governing Law: Tenn. Code § 47-14-103
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Overview
Promissory Notes in Tennessee
Tennessee sets the contract interest rate ceiling at 4% above the state formula rate published monthly by the department.
Key Facts
Tennessee Promissory Note — Quick Reference
| Requirement | Tennessee Rule |
|---|---|
| Usury Limit | 4% above formula rate |
| Governing Law | Tenn. Code § 47-14-103 |
Legal Requirements
Tennessee Legal Requirements
- Interest rates must comply with the Tennessee statutory formula rate cap.
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 Promissory Note — Frequently Asked Questions
What is the interest cap in Tennessee?
The cap is 4% above the monthly state formula rate.