2026 Tennessee judgment & prejudgment interest rates
Current 2026 snapshot: Tennessee post-judgment interest is 8.75% per year; the recorded prejudgment reference is up to 10% per year.
Everything Tennessee charges in interest on a money judgment or an overdue debt, in one place — the rate after judgment and the rate before it, each recorded with a cited source and linked to its full page with observations, scope, and known carve-outs.
| Metric | Rate or rule | Effective | Authority | Basis |
|---|---|---|---|---|
| Post-judgment interest | 8.75% | July 1, 2026 | Tenn. Code §47-14-121 | Statutory formula / table |
| Prejudgment interest | up to 10% | July 9, 2026 | Tenn. Code Ann. § 47-14-123 | Discretionary |
Post-judgment interest
Tennessee's post-judgment interest rate is 8.75% per year. Tennessee’s general rate for a judgment entered from July 1 through December 31, 2026 is 8.75%. Tenn. Code §47-14-121 uses the Department of Financial Institutions formula rate for June (10.75%) less two percentage points. A statute, note, contract, or other writing can supply a different lawful rate.
→ Full Tennessee post-judgment page — Tenn. Code §47-14-121, effective-date history, scope, and official source.
Prejudgment interest
Tennessee's prejudgment interest rate is up to 10% per year (discretionary). In Tennessee, prejudgment interest is discretionary: a court may award it, and when it does the rate is 10% per year under Tenn. Code Ann. § 47-14-123.
→ Full Tennessee prejudgment page — Tenn. Code Ann. § 47-14-123, when it applies, accrual, compounding, and carve-outs.
Frequently asked
What is the post-judgment interest rate in Tennessee?
As of July 1, 2026, the Tennessee post-judgment interest rate is 8.75% per year. Tennessee judgment interest — the formula rate minus 2 points.
What is the prejudgment interest rate in Tennessee?
Tennessee's prejudgment interest rate is up to 10% per year (discretionary). Tennessee prejudgment interest is discretionary — here is the rate courts apply.
Is Tennessee judgment interest simple or compound, and when does it start?
The selected rate is fixed for that judgment rather than changing with later six-month rates. Tennessee appellate opinions use the Code’s simple-interest definition in ordinary judgment-interest analysis, while contract cases require express agreement for compounding. The statutes do not state one universal postjudgment compounding method, so a payoff calculator remains withheld until day count, partial-payment allocation, and every exception branch are verified. The judgment-entry date selects the applicable six-month rate. Section 47-14-122 runs interest from the verdict. In a nonjury case, Tennessee appellate authority treats the practical equivalent of a verdict as the point when the court’s findings make the award sufficiently certain; that point can precede formal judgment entry. Remands and other procedural postures require separate analysis.
Cite this page
StatuteRates. “Tennessee Judgment & Prejudgment Interest Rates.” StatuteRates.com. Accessed today. https://statuterates.com/states/tennessee/ Each rate includes a cited source and recorded effective date; confirm the controlling authority before use.
Compare every state on the state interest-rate index and the prejudgment interest index, or enter a confirmed rate in the judgment interest and per-diem calculator. Reference data only — not legal advice.