Best Personal Loan Rates in Tennessee (TN) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Tennessee borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Tennessee include: Alcoa Tenn Federal Credit UnionAlcoa Tenn Federal Credit Union124 N Hall Rd, Alcoa, TN, 37701 2648A+5.0 ★Texas Ratio: 4.66% offering Consumer Loans at 4.79% APR, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union5150 Stage Rd Ste 102, Memphis, TN, 38134 3169A+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR, Knox County Teachers Federal Credit UnionKnox County Teachers Federal Credit Union9212 Kingston Pike, Knoxville, TN, 37922A+5.0 ★Texas Ratio: 0.22% offering Bus Loans (Depending on year) at 5.00% APR, United Southeast Federal Credit UnionUnited Southeast Federal Credit Union1545 Bluff City Hwy, Bristol, TN, 37620 6018A+5.0 ★Texas Ratio: 2.52% offering Personal Loans at 5.15% APR, and EMPLOYEE RESOURCESEMPLOYEE RESOURCES1604 Remke Ave, Lawrenceburg, TN, 38464 2261A+5.0 ★ offering In-House Real Estate Loan at 5.50% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Tennessee side-by-side. Tennessee personal loan rates currently start as low as 4.79% APR from Alcoa Tenn Federal Credit Union at 124 N Hall Rd, Alcoa, TN, 37701 2648. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Tennessee. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 19, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
4.79%
▼
APR4.79%
Last UpdatedApril 20, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Fire Station Loan
4.99%
▼
APR4.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Bus Loans (Depending on year)
5.00%
▼
APR5.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
5.05%
▼
APR5.05%
Last UpdatedApril 20, 2026
Details
As Low As
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
5.10%
▼
APR5.10%
Last UpdatedApril 20, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Personal Loans
5.15%
▼
APR5.15%
Last UpdatedApril 20, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
In-House Real Estate Loan
5.50%
▼
APR5.50%
Last UpdatedApril 20, 2026
Details
As Low As
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
5.60%
▼
APR5.60%
Last UpdatedApril 20, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
New Recreational Equipment Loans - Models 5 years or newer
5.60%
▼
APR5.60%
Last UpdatedApril 20, 2026
Details
No additional details available.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Recreational Loans
5.70%
▼
APR5.70%
Last UpdatedApril 20, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Holiday Loan
5.75%
▼
APR5.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Vacation Loan
5.75%
▼
APR5.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Gallatin Steam Plant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
1499 Steam Plant Rd, Gallatin, TN, 37066
Loans
5.99%
▼
APR5.99%
Last UpdatedApril 20, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Collateral Loans - Used - 2011 and older
6.00%
▼
APR6.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
6.00%
▼
APR6.00%
Last UpdatedApril 20, 2026
Details
As Low As
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
6.40%
▼
APR6.40%
Last UpdatedApril 20, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Equipment Loan
6.65%
▼
APR6.65%
Last UpdatedApril 20, 2026
Details
As Low As; Regular APR: 10.090%
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
122 E Macon Ln, Seymour, TN, 37865 4730
Equity Loans
6.75%
▼
APR6.75%
Last UpdatedApril 20, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3261 N Mall Rd, Knoxville, TN, 37924
SIGNATURE LOAN
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN, 37214
Recreational Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
7.24%
▼
APR7.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Church Loans
7.25%
▼
APR7.25%
Last UpdatedApril 20, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedApril 20, 2026
Details
over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
Land Loans
7.25%
▼
APR7.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Unsecured Loan
7.49%
▼
APR7.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
7.49%
▼
APR7.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
up to $250,000; As Low As; 10 year fixed
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Heating, Ventilation, & Air Conditioning (HVAC) Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN, 37214
Personal
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN, 37214
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Unimproved Property Loan
7.67%
▼
APR7.67%
Last UpdatedApril 20, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Unsecured Loan
7.74%
▼
APR7.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Unimproved Property Loan
7.87%
▼
APR7.87%
Last UpdatedApril 20, 2026
Details
No additional details available.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
7.90%
▼
APR7.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1591 Chickering Ln, Cordova, TN, 38016 8698
Debt Consolidation
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Lifestyle Loans
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Unsecured Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Foothills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
956 Mulberry St, Loudon, TN, 37774
Personal
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
Land Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Major Appliances and Personal Computers
8.25%
▼
APR8.25%
Last UpdatedApril 20, 2026
Details
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Unimproved Property Loan
8.28%
▼
APR8.28%
Last UpdatedApril 20, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Personal Loan
8.45%
▼
APR8.45%
Last UpdatedApril 20, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Signature/Co-Signer Loans
8.49%
▼
APR8.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Unsecured Loan
8.49%
▼
APR8.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Signature 6 - 60 mos.
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
FAMILY ADVANTAGE
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
100 Stephen P Yokich Pkwy, Spring Hill, TN, 37174 3140
Personal
8.65%
▼
APR8.65%
Last UpdatedApril 20, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Southern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.49%
508 National Ave, Chattanooga, TN, 37404
Signature
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As; Including Debt Consolidation
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Signature
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
1107 Mineral Wells Ave, Paris, TN, 38242 4903
Unsecured Loans
9.00%
▼
APR9.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Debt Consolidation
9.20%
▼
APR9.20%
Last UpdatedApril 20, 2026
Details
As Low As; $26,000 Maximum
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Personal
9.20%
▼
APR9.20%
Last UpdatedApril 20, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Debt Consolidation
9.24%
▼
APR9.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Signature Plus to $15,000
9.25%
▼
APR9.25%
Last UpdatedApril 20, 2026
Details
$7,501
OMC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
1186 Old Lower River Rd NW, Charleston, TN, 37310
Personal
9.25%
▼
APR9.25%
Last UpdatedApril 20, 2026
Details
As Low As
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN, 38104
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
Up to $5,000
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
Signature
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
Debt Consolidation Loan
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
minimum $7,500 - maximum $35,000
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Vacation Loans
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Credit Starter Loan
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
auto payments transfer
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Appy Assist Loans
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
627 Livingston Rd, Crossville, TN, 38555
Personal Line-of-Credit
9.90%
▼
APR9.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN, 37645
Personal/Unsecured Loans
9.90%
▼
APR9.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Debt Consolidation Loans
9.95%
▼
APR9.95%
Last UpdatedApril 20, 2026
Details
As Low As; Rates as low as 9.95%
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Emergency Loans
9.95%
▼
APR9.95%
Last UpdatedApril 20, 2026
Details
As Low As; Rates as low as 9.95%
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedApril 20, 2026
Details
As Low As; Rates as low as 9.95%
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, TN, 37716 3943
Personal
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1520 N 2nd St, Memphis, TN, 38107 1004
Signature
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
Personal Unsecured
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Personal
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.83%
2120 Polymer Dr, Chattanooga, TN, 37421 2207
Signature
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1591 Chickering Ln, Cordova, TN, 38016 8698
Personal Signature
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3601 Paul R Lowry Rd, Memphis, TN, 38109 3007
Share Loan
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
BMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2305 CHAMBLISS AVE NW, CLEVELAND, TN, 37311
Unsecured
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As; MAX. limit <2000$ Terms @ 12months
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Credit Starter Loan
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
501 E Summit Hill Dr, Knoxville, TN, 37915 1030
Unsecured Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As; Fixed
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN, 38320
Signature Loan
10.22%
▼
APR10.22%
Last UpdatedApril 20, 2026
Details
Annual Percentage Rates includes loan processing fee of $30.00. The annual percentage rate listed are our best rates, which include Auto Payment Discount, and /or Military Discount, or College Graduate Discount. See Member Rewards for details. Your rate may be higher depending on your credit score. Approval is not based on credit score. Loan amount up to 100%. All rates and terms are subject to change without notice.
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5207 Schubert Rd, Knoxville, TN, 37912
Signature/Co-Signer
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN, 37087
Personal
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedApril 20, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Safety Line(open-end loan)
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Signature / Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As; up to 60 months
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Signature
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Signature
11.24%
▼
APR11.24%
Last UpdatedApril 20, 2026
Details
From 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Lines of Credit & Signature Loans
11.50%
▼
APR11.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
11.50%
▼
APR11.50%
Last UpdatedApril 20, 2026
Details
As Low As
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN, 37645
Personal/Unsecured Loans
11.90%
▼
APR11.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
26 Century Blvd, Nashville, TN, 37214 3683
Signature
11.90%
▼
APR11.90%
Last UpdatedApril 20, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN, 37916 2216
Relationship Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As; APR= Annual Percentage Rate. 11.99% APR is for a 36-month term with a minimum of $500.00 and a maximum of $10,000.00 borrowed. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $33.21 per $1,000.00 borrowed at 11.99% APR for 36 months. $35.00 minimum payment. New money only. NCUA insured.
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN, 37916 2216
Signature Loan - 36 Months
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As; APR is for a 36-month term with a minimum of $500.00 borrowed and a maximum of $10,000.00. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. New money only. Eligibility required.
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
Credit Builder Loan
12.00%
▼
APR12.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
12-12-12 Specialty Loan
12.00%
▼
APR12.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
Unsecured/Signature
12.25%
▼
APR12.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Personal Loan
12.35%
▼
APR12.35%
Last UpdatedApril 20, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
450 N Charles G Seivers Blvd, Clinton, TN, 37716 3730
Signature Loan (Unsecured)
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedApril 20, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
Signature Loan (Personal Loan)
12.90%
▼
APR12.90%
Last UpdatedApril 20, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
122 E Macon Ln, Seymour, TN, 37865 4730
Personal Loans
12.90%
▼
APR12.90%
Last UpdatedApril 20, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Signature
12.90%
▼
APR12.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
112 Administration Rd, Oak Ridge, TN, 37830
Signature - LOC, Monthly Payment
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
112 Administration Rd, Oak Ridge, TN, 37830
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
112 Administration Rd, Oak Ridge, TN, 37830
Signature Loans - Non-LOC
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Personal Lines of Credit
13.50%
▼
APR13.50%
Last UpdatedApril 20, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 20, 2026
Details
As Low As
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
450 N Charles G Seivers Blvd, Clinton, TN, 37716 3730
Ultra Loan (Unsecured)
13.99%
▼
APR13.99%
Last UpdatedApril 20, 2026
Details
As Low As; Fixed
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Lemonade Loan
13.99%
▼
APR13.99%
Last UpdatedApril 20, 2026
Details
As Low As
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Personal Loan
13.99%
▼
APR13.99%
Last UpdatedApril 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Personal Loans
5.15%
▼
APR5.15%
Last UpdatedApril 20, 2026
Details
As Low As
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN, 37214
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Personal Loan
8.45%
▼
APR8.45%
Last UpdatedApril 20, 2026
Details
As Low As
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN, 38104
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedApril 20, 2026
Details
As Low As; Rates as low as 9.95%
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
501 E Summit Hill Dr, Knoxville, TN, 37915 1030
Unsecured Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As; Fixed
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Signature / Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As; up to 60 months
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Personal Loan
12.35%
▼
APR12.35%
Last UpdatedApril 20, 2026
Details
No additional details available.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedApril 20, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
Signature Loan (Personal Loan)
12.90%
▼
APR12.90%
Last UpdatedApril 20, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
122 E Macon Ln, Seymour, TN, 37865 4730
Personal Loans
12.90%
▼
APR12.90%
Last UpdatedApril 20, 2026
Details
As Low As
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 20, 2026
Details
As Low As
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Personal Loan
13.99%
▼
APR13.99%
Last UpdatedApril 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1591 Chickering Ln, Cordova, TN, 38016 8698
Debt Consolidation
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Debt Consolidation
9.20%
▼
APR9.20%
Last UpdatedApril 20, 2026
Details
As Low As; $26,000 Maximum
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Debt Consolidation
9.24%
▼
APR9.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
Debt Consolidation Loan
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
minimum $7,500 - maximum $35,000
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Debt Consolidation Loans
9.95%
▼
APR9.95%
Last UpdatedApril 20, 2026
Details
As Low As; Rates as low as 9.95%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3261 N Mall Rd, Knoxville, TN, 37924
SIGNATURE LOAN
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Signature/Co-Signer Loans
8.49%
▼
APR8.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Signature 6 - 60 mos.
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Southern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.49%
508 National Ave, Chattanooga, TN, 37404
Signature
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
As Low As
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Signature
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As; Including Debt Consolidation
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Signature Plus to $15,000
9.25%
▼
APR9.25%
Last UpdatedApril 20, 2026
Details
$7,501
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
Up to $5,000
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
Signature
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1591 Chickering Ln, Cordova, TN, 38016 8698
Personal Signature
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.83%
2120 Polymer Dr, Chattanooga, TN, 37421 2207
Signature
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1520 N 2nd St, Memphis, TN, 38107 1004
Signature
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN, 38320
Signature Loan
10.22%
▼
APR10.22%
Last UpdatedApril 20, 2026
Details
Annual Percentage Rates includes loan processing fee of $30.00. The annual percentage rate listed are our best rates, which include Auto Payment Discount, and /or Military Discount, or College Graduate Discount. See Member Rewards for details. Your rate may be higher depending on your credit score. Approval is not based on credit score. Loan amount up to 100%. All rates and terms are subject to change without notice.
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5207 Schubert Rd, Knoxville, TN, 37912
Signature/Co-Signer
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedApril 20, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Signature / Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As; up to 60 months
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Signature
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Signature
11.24%
▼
APR11.24%
Last UpdatedApril 20, 2026
Details
From 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Lines of Credit & Signature Loans
11.50%
▼
APR11.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
11.50%
▼
APR11.50%
Last UpdatedApril 20, 2026
Details
As Low As
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
26 Century Blvd, Nashville, TN, 37214 3683
Signature
11.90%
▼
APR11.90%
Last UpdatedApril 20, 2026
Details
As Low As
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN, 37916 2216
Relationship Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As; APR= Annual Percentage Rate. 11.99% APR is for a 36-month term with a minimum of $500.00 and a maximum of $10,000.00 borrowed. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $33.21 per $1,000.00 borrowed at 11.99% APR for 36 months. $35.00 minimum payment. New money only. NCUA insured.
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN, 37916 2216
Signature Loan - 36 Months
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As; APR is for a 36-month term with a minimum of $500.00 borrowed and a maximum of $10,000.00. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. New money only. Eligibility required.
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
Unsecured/Signature
12.25%
▼
APR12.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
450 N Charles G Seivers Blvd, Clinton, TN, 37716 3730
Signature Loan (Unsecured)
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
Signature Loan (Personal Loan)
12.90%
▼
APR12.90%
Last UpdatedApril 20, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Signature
12.90%
▼
APR12.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
112 Administration Rd, Oak Ridge, TN, 37830
Signature - LOC, Monthly Payment
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
112 Administration Rd, Oak Ridge, TN, 37830
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
112 Administration Rd, Oak Ridge, TN, 37830
Signature Loans - Non-LOC
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in Tennessee currently.
Tennessee Personal Loan Rate Trends
Compare local Tennessee personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — TN Avg
9.859%
▼ 0.291 vs 7 days ago
Tennessee personal loan rates fell 0.291 points over the past 7 days to 9.859% APR.
Signature Loan — TN Avg
10.917%
▼ 0.426 vs 7 days ago
Tennessee signature loan rates fell 0.426 points over the past 7 days to 10.917% APR.
As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Tennessee?
Most lenders in Tennessee require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Tennessee often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Tennessee require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Tennessee?
Yes. Debt consolidation is one of the most common uses of personal loans in Tennessee. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Tennessee?
Credit unions in Tennessee often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Tennessee?
- Alcoa Tenn Federal Credit Union: 4.79% (Consumer Loans)
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
- Knox County Teachers Federal Credit Union: 5.00% (Bus Loans (Depending on year))
- United Southeast Federal Credit Union: 5.15% (Personal Loans)
- EMPLOYEE RESOURCES: 5.50% (In-House Real Estate Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tennessee. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.
