The same as on your person.... to have it loaded you must have a carry permit.
You can have it unloaded without a permit, but in TN unloaded doesn't mean just the ammo not in the firearm. It means. "...the rifle, shotgun or handgun does not have ammunition in the chamber, cylinder, clip or magazine, and no clip or magazine is in the immediate vicinity of the weapon." 39-17-1301(18)