Best Personal Loan Rates in Tennessee - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Tennessee include: Nashville Firemens Credit UnionNashville Firemens Credit Union908 Woodland St, Nashville, TN, 37206A+5.0 ★Texas Ratio: 4.99% offering New Computers Loan at 4.99% APR, FAMILY ADVANTAGEFAMILY ADVANTAGE100 Stephen P Yokich Pkwy, Spring Hill, TN, 37174 3140A+5.0 ★Texas Ratio: 7.18% offering 72 Month Loan at 4.99% APR, Kemba Delta Federal Credit UnionKemba Delta Federal Credit Union3108 N Germantown Rd, Bartlett, TN, 38133A+5.0 ★Texas Ratio: 2.46% offering Signature Loans at 4.99% APR, United Southeast Federal Credit UnionUnited Southeast Federal Credit Union1545 Bluff City Hwy, Bristol, TN, 37620 6018A+5.0 ★Texas Ratio: 2.38% offering Personal Loans at 5.15% APR, and Outreach Federal Credit UnionOutreach Federal Credit Union3904 Central Pike, Hermitage, TN, 37076 3409A+5.0 ★Texas Ratio: 2.95% offering Street Bikes Loan at 5.25% APR. Personal loan rates as of June 11, 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 4.99% APR from Nashville Firemens Credit Union at 908 Woodland St, Nashville, TN, 37206. 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: June 11, 2026
Tennessee Personal Loan Rates
As Low As; 100% of Retail
Rates and Terms are subject to change without notice.
Rates and Terms are subject to change without notice.
Promotional Rates as low as 4.99% APR. Call Kemba for details 1-888-725-3622
Rates and Terms are subject to change without notice.
Rates and Terms are subject to change without notice.
Rates and Terms are subject to change without notice.
No additional details available.
No additional details available.
No additional details available.
Rates as low as 5.50 %
No additional details available.
No additional details available.
As Low As
The annual percentage rates 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.
No additional details available.
No additional details available.
The annual percentage rates 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.
As Low As; Loan Amount $500 - $1,000
over $30,000
The annual percentage rates 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.
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
As Low As; Rate based on creditworthiness and term of loan.
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
80% LTV (Loan to Value)
As Low As
No additional details available.
As Low As; New money only. Eligibility required. NCUA insured. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $30.90 per $1,000.00 borrowed at 6.99% APR for 36 months.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; (2027, 2026 & 2025) (includes Travel Trailers, Fifth Wheels, Class A, Class B, and Class C Motorhomes)
No additional details available.
No additional details available.
No additional details available.
Special introductory variable rate as low as Prime minus 1.51% for 9 months from the date of account opening. Currently 5.99% APR. After the 9 months, the rate will be the standard approved variable rate, currently ranging between 7.50% to 14.85% APR. Rates will fluctuate based on changes to the index rate. Excellent credit is required to qualify for the lowest rates.
As Low As; starting at 7.50% Fixed
up to $250,000; No prepayment penalties; Personal guarantees may be waived
As Low As
As Low As; Up To $1,500; See Note 1
As Low As; Loan Max: $2,500 (Available between July 1st - October 1st); See Note 1
As Low As
No additional details available.
No additional details available.
The annual percentage rates 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.
No additional details available.
As Low As; (7 years old or newer) (includes Travel Trailers, Fifth Wheels, Class A, Class B, and Class C Motorhomes)
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
As Low As; (8-15 years old) (includes Travel Trailers, Fifth Wheels, Class A, Class B, and Class C Motorhomes)
No additional details available.
No additional details available.
As Low As
No additional details available.
The annual percentage rates 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.
No additional details available.
90% LTV (Loan to Value)
As Low As
No additional details available.
Including Debt Consolidation; As Low As
2015 - 2016
No additional details available.
No additional details available.
As Low As; $26,000 Maximum
As Low As
As Low As; $1,500 Limit
No additional details available.
No additional details available.
As Low As
No additional details available.
High Interest Rate: 18.00% APR
Up to $5,000
As Low As
(minimum $7,500 - maximum $35,000)
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
Credit Rating A
As Low As
As Low As
As Low As
As Low As; APR* 36 Months
As Low As; APR
As low as
As Low As
As Low As
As Low As; and up
No additional details available.
As Low As
No additional details available.
As Low As; MAX. limit <2000$
As Low As
As Low As
No additional details available.
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.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
up to $10,000 for 24 months
As Low As; The rate is variable. It is prime + 6.75%.
As Low As
As Low As
As Low As; (terms vary)
As Low As
As Low As
No additional details available.
As Low As; APR* 48 Months
11.50% Variable
As Low As
As Low As
Credit Rating B
No additional details available.
No additional details available.
As Low As; APR* 60 Months
As Low As; 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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Fixed; As low as
up to 60 months
As Low As
No additional details available.
As Low As
As Low As; Rate based on creditworthiness and term of loan.
Tennessee Personal Loan Rates
No additional details available.
No additional details available.
As Low As; Loan Amount $500 - $1,000
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
High Interest Rate: 18.00% APR
As Low As
As Low As
As Low As; APR
As Low As; APR* 36 Months
As low as
As Low As
No additional details available.
As Low As; The rate is variable. It is prime + 6.75%.
As Low As
As Low As; APR* 48 Months
As Low As; APR* 60 Months
No additional details available.
As Low As
As Low As
As Low As; Rate based on creditworthiness and term of loan.
Tennessee Debt Consolidation Loan Rates
No additional details available.
As Low As; $26,000 Maximum
No additional details available.
(minimum $7,500 - maximum $35,000)
As Low As
No additional details available.
As Low As
Tennessee Signature Loan Rates
Promotional Rates as low as 4.99% APR. Call Kemba for details 1-888-725-3622
As Low As
As Low As
As Low As
No additional details available.
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
As Low As
No additional details available.
As Low As
Including Debt Consolidation; As Low As
No additional details available.
No additional details available.
Up to $5,000
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; and up
As Low As
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.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; (terms vary)
As Low As
As Low As
11.50% Variable
As Low As
As Low As; 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.
No additional details available.
Fixed; As low as
up to 60 months
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.
Tennessee personal loan rates rose 0.346 points over the past 7 days to 11.255% APR.
Tennessee signature loan rates rose 0.116 points over the past 7 days to 11.150% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tennessee personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Tennessee directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Tennessee. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in TN.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Tennessee?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Tennessee?
Are credit unions or banks better for personal loans in Tennessee?
What are the best personal loan rates in Tennessee?
- Nashville Firemens Credit Union: 4.99% (New Computers Loan)
- FAMILY ADVANTAGE: 4.99% (72 Month Loan)
- Kemba Delta Federal Credit Union: 4.99% (Signature Loans)
- United Southeast Federal Credit Union: 5.15% (Personal Loans)
- Outreach Federal Credit Union: 5.25% (Street Bikes Loan)
