Tennessee Personal Loans - Compare Rates Today - Online or Near Me

Personal Loans in Tennessee

Written by Ryan Abramson | Edited by Alex Khodzinskiy | Last Updated: Aug 12, 2026

Written by Ryan Abramson +1 more ▼

Last Updated: Aug 12, 2026

Personal Loan Locations in Tennessee

100 locations in 5 cities

Most Reviews Highest Rated Any Rating 4.0+ 4.5+

Speedy Cash

4.9★★★★☆(1813 reviews)

5900 Brainerd Rd, Chattanooga, TN 37411, USA

(423) 892-3294 Directions

Advance America

5.0★★★★★(1630 reviews)

3431 Austin Peay Hwy, Memphis, TN 38128, USA

(901) 386-3017 Directions

Kinsmith Finance

5.0★★★★★(1569 reviews)

4321 Ringgold Rd #101, Chattanooga, TN 37412, USA

(423) 624-3337 Directions

Kinsmith Finance

5.0★★★★★(1388 reviews)

2009 Dayton Blvd #103, Chattanooga, TN 37415, USA

(423) 870-9557 Directions

Speedy Cash

4.9★★★★☆(1383 reviews)

4403 Chapman Hwy, Knoxville, TN 37920, USA

(865) 577-8656 Directions

Advance Financial

4.4★★★★☆(1233 reviews)

100 Oceanside Dr, Nashville, TN 37204, USA

(615) 341-5900 Directions

Speedy Cash

4.9★★★★☆(1217 reviews)

106 Knox Rd, Knoxville, TN 37918, USA

(865) 687-9028 Directions

Kinsmith Finance

5.0★★★★★(1130 reviews)

8016 E Brainerd Rd #104, Chattanooga, TN 37421, USA

(423) 892-3636 Directions

Kinsmith Finance

5.0★★★★★(1083 reviews)

4620 TN-58 #100, Chattanooga, TN 37416, USA

(423) 553-9990 Directions

Tennessee Title Loans, Inc.

4.9★★★★☆(949 reviews)

1440 Fort Campbell Blvd, Clarksville, TN 37042, USA

(931) 647-3305 Directions

No locations found for that city. Show all

Also in Tennessee: Payday Loans in Tennessee Personal Loans in Tennessee

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Personal loans in Tennessee are unsecured installment loans available from a range of regulated financial institutions. Loan amounts vary widely and repay in fixed monthly installments.

Personal loans give you a lump sum upfront and a clear repayment schedule. They are commonly used for debt consolidation, home improvement, medical bills, and major purchases.

Why Compare Personal Loan Lenders in Tennessee

• Compare multiple lenders at once – view real offers side by side without applying to each one separately
• No hard credit pull to compare – comparing rates through MaybeLoan does not affect your credit
• Transparent monthly payments – know exactly what you are paying before you commit
• From good to fair credit – not just prime borrowers
• Free service – comparing is always free

The Application Process

The process is fully online – no branch visits required.

• Step 1: Fill out the quick online form – name, address, income, and desired loan amount
• Step 2: See your offers – compare real rate offers instantly
• Step 3: Pick your loan – look at APR, monthly payments, and loan terms
• Step 4: Receive your money – typically within 1-3 business days, sometimes same day

Personal Loan Requirements in Tennessee

Tennessee residents typically need to meet these basic criteria:

• 18 years of age or older
• U.S. citizen or permanent resident
• Active checking account in your name
• Verifiable income
• Social Security number

Different lenders have different minimums. Many online lenders accept scores as low as 580-600.

What to Expect

Your actual rate depends on your credit score, income, loan amount, and term. Borrowers with excellent credit (720+) often qualify for rates under 10%.

Always compare at least 2-3 lenders before deciding.

By Ryan Abramson Last Updated: 12 August 2026

Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.

Edited by Alex Khodzinskiy Personal Finance Editor & Fintech Strategist