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Therefore, the Commissioner of Financial Institutions hereby announces that the maximum effective rate of interest per annum for home loans as set by the General Assembly in 1987, Public Chapter 291, for the month of November, 2022 is 7.76 percent per annum.
Tennessee interest rate laws are stated in Tennessee Code, Title 47 (Commercial Instruments and Transactions), Chapter 14 (Interest Rates Generally), Part one (General Provisions). Under Section 47-14-103, the state legal maximum interest rate is ten percent per annum.
Depending on the lender and the borrowers credit score and financial history, personal loan interest rates can range from 6% to 36%.
CALIFORNIA: The legal rate of interest is 10% for consumers; the general usury limit for non-consumers is more than 5% greater than the Federal Reserve Bank of San Franciscos rate.
The highest fed funds rate was 20% in 1980 in response to double-digit inflation. The lowest fed funds rate was zero in 2008 and again in March 2020 in response to the coronavirus pandemic. The FOMC announced in September 2022 that it would continue to raise interest rates in response to rising inflation.

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As of Tuesday, October 25, 2022, current rates in Tennessee are 7.29% for a 30-year fixed and 6.39% for a 15-year fixed.
For licensees and registrants under the Mortgage Brokers, Lenders, and Servicers Licensing Act (MBLSLA), MCL 445.1651 et seq., and the Secondary Mortgage Loan Act (SMLA), MCL 493.51 et seq., the maximum annual rate of interest allowed to be charged on a mortgage loan is 25%, inclusive of finance charges (APR).
Over the last four decades, the highest average annual interest rate was 13.9% in 1981, while the lowest was 0.9% in 2020.
Generally, a good interest rate for a personal loan is one thats lower than the national average, which is 9.41%, according to the most recently available Experian data.
Another reason why rates were so high in the 1980s was that there was less credit available to borrow, making it more difficult and costly for buyers to secure a mortgage. Banks had to charge higher rates for taking on the risk.

Related links

Interest Rate on Delinquent Taxes - MTAS (tennessee.edu)

Formula Rate of Interest​​ T.C.A. 67-1-801 provides for the rate of interest to be charged on delinquent tax payments. This rate is called the formula rate of

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Online Degree Tennessee - Western Governors University

If you live in Tennessee and are ready to pursue higher education, WGU could be the perfect fit. With affordable tuition and entirely online degree programs

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Rates of Interest - TN.gov

NASHVILLE--Tennessee Department of Financial Institutions Commissioner Greg Gonzales announced today that the maximum effective formula rate of interest in

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