Get Personal Loans in Tennessee

Q: Do lenders in Tennessee accept bad credit?

Yes, some lenders serving Tennessee specialize in personal loans for bad credit. Many approve borrowers with scores from 580 upward. MaybeLoan works with lenders who serve a range of credit profiles in Tennessee.

Q: How fast can I get a personal loan in Tennessee?

From submitting your form to getting funded can be as fast as 24 hours. Once approved, funds are typically deposited to your bank account within 1-3 business days.

Q: What can I use a personal loan for in Tennessee?

Personal loans in Tennessee can be used for virtually any legal purpose. Common uses include debt consolidation, home improvement, car repairs, medical expenses, weddings, and moving costs.

Q: Is MaybeLoan a lender?

We do not issue loans or make credit decisions. We connect borrowers with lenders – the actual loan decision is made by the lender. Using MaybeLoan is always free, and comparing does not obligate you to borrow.

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Personal Loans in Tennessee

Written by Ryan Abramson | Edited by Alex Khodzinskiy | Last Updated: Oct 2026

Written by Ryan Abramson

Last Updated: Oct 2026

Here's what fees you can expect when obtaining online personal loans in Tennessee:

Personal loan lending status in Tennessee:	Legal
Maximum loan amount in Tennessee:	Not specified
APR:	Up to 36% a year on loans of $100 or more; service charge 5%, a late charge (5 cents per $1 of the installment, or $15) and a closing fee of up to 4% (maximum $50); an alternative schedule for loans of $100 to $2,000 uses a 12.5% acquisition charge plus $12 to $32 a month (Tenn. Code 45-5)
Minimum loan term:	Not specified
Maximum loan term:	24 months (up to $300), 36 months (over $300 to under $1,000), longer for larger loans
Prepayment penalty:	Unearned interest is refunded by the Rule of 78 or the actuarial method
State Regulator:	Tennessee Department of Financial Institutions

Table Data Updated: October 2026.

Above you can see what fees you can expect when obtaining online personal loans in Tennessee.

Personal Loan Locations in Tennessee

Search 192 personal loan locations in Tennessee by city or ZIP, or use your location to see the nearest first.

100 locations in 5 cities

Speedy Cash

4.9★★★★☆(1813 reviews)

5900 Brainerd Rd, Chattanooga, TN 37411, USA

(423) 892-3294

Advance America

5.0★★★★★(1630 reviews)

3431 Austin Peay Hwy, Memphis, TN 38128, USA

(901) 386-3017

Kinsmith Finance

5.0★★★★★(1569 reviews)

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

(423) 624-3337

Kinsmith Finance

5.0★★★★★(1388 reviews)

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

(423) 870-9557

Speedy Cash

4.9★★★★☆(1383 reviews)

4403 Chapman Hwy, Knoxville, TN 37920, USA

(865) 577-8656

Advance Financial

4.4★★★★☆(1233 reviews)

100 Oceanside Dr, Nashville, TN 37204, USA

(615) 341-5900

Speedy Cash

4.9★★★★☆(1217 reviews)

106 Knox Rd, Knoxville, TN 37918, USA

(865) 687-9028

Kinsmith Finance

5.0★★★★★(1130 reviews)

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

(423) 892-3636

Kinsmith Finance

5.0★★★★★(1083 reviews)

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

(423) 553-9990

Tennessee Title Loans, Inc.

4.9★★★★☆(949 reviews)

1440 Fort Campbell Blvd, Clarksville, TN 37042, USA

(931) 647-3305

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

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

Compare Lenders in Tennessee! ➤

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.

Find My Rate in Tennessee! ➤

FAQ - Personal Loans in Tennessee

Do lenders in Tennessee accept bad credit?

How fast can I get a personal loan in Tennessee?

What can I use a personal loan for in Tennessee?

Is MaybeLoan a lender?

By Ryan Abramson Last Updated: October 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

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