Best Personal Loan Rates in Tennessee - July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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.
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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: 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, TNConnect Credit UnionTNConnect Credit Union122 E Macon Ln, Seymour, TN, 37865 4730A+5.0 ★Texas Ratio: 5.41% offering New/Used Loan at 5.25% APR, Staley Credit UnionStaley Credit Union198 Blair Bend Dr, Loudon, TN, 37774A+5.0 ★Texas Ratio: 0.80% offering Credit Builder Loan at 5.70% APR, Tennessee Military Federal Credit UnionTennessee Military Federal Credit Union1828 Airbase Rd, Louisville, TN, 37777A+5.0 ★Texas Ratio: 5.91% offering Unimproved Land Loan at 5.74% APR, and Bowater Employees Credit UnionBowater Employees Credit Union5123 Highway 11 S, Calhoun, TN, 37309A5.0 ★Texas Ratio: 5.74% offering 12 Months Loan at 5.75% APR. Personal loan rates as of July 25, 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: July 25, 2026
Tennessee Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
New Computers Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
As Low As; 100% of Retail
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
122 E Macon Ln, Seymour, TN, 37865 4730
New/Used Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
As Low As; **
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
198 Blair Bend Dr, Loudon, TN, 37774
Credit Builder Loan
5.70%
▼
APR5.70%
Last UpdatedJuly 26, 2026
Details
Loans from $250 to $2,500. Funds borrowed are secured and deposited in the member's savings account while regular payments are made. Once the loan is paid off in full, the funds in the savings account will be released and available for future use.
Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
1828 Airbase Rd, Louisville, TN, 37777
Unimproved Land Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
Rates as low as 5.74%
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
12 Months Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Holiday Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Personal Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loans
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As low as
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
120 months Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
Credit Rating: A+
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
180 months Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
Credit Rating: A+
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Unimproved Property Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
Appraised Value or Purchase Price (whichever is less). The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
122 E Macon Ln, Seymour, TN, 37865 4730
Used Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
As Low As; ***
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
120 months Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
Credit Rating: A
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
240 months Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
Credit Rating: A+
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Unimproved Property Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
Appraised Value or Purchase Price (whichever is less). The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
122 E Macon Ln, Seymour, TN, 37865 4730
Equity Loans
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As; *
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
122 E Macon Ln, Seymour, TN, 37865 4730
Equity Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
80% LTV (Loan to Value)
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As; Signature APR as low as 6.75%
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Land Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
180 months Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
Credit Rating: A
U T
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2100 White Ave, Knoxville, TN, 37916 2216
Liberty Summer Loan Special
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As; The promotional period is 6.1.2026 - 9.1.2026. 6.99% APR is for a 36-month term with a minimum of $500.00 borrowed and a maximum of $20,000.00. 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. New money only. Eligibility required. NCUA insured.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
NO MINIMUM
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
24 Months Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
36 Months Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
48 Months Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature (12mo) Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2711 Old Lebanon Pike, Nashville, TN, 37214
Recreational Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
240 months Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
Credit Rating: A
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
7.24%
▼
APR7.24%
Last UpdatedJuly 26, 2026
Details
$20,000
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Toy Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
As low as
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
Land Loans
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
$60,000
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
60 Months Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
72 Months Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Unsecured / Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2711 Old Lebanon Pike, Nashville, TN, 37214
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
48 Months Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Heating, Ventilation, & Air Conditioning (HVAC) Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
Fixed; starting at
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
240 months Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
Credit Rating: B
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
84 Months Loan
7.57%
▼
APR7.57%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
7.74%
▼
APR7.74%
Last UpdatedJuly 26, 2026
Details
$20,000
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
120 months Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 26, 2026
Details
Credit Rating: B
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Toy Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 26, 2026
Details
As low as
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
4-Wheelers Used Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
4-Wheelers New Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
36 Months Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
24 Months Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
$75,000
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Tech Gear Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
180 months Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
Credit Rating: B
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
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: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Major Appliances and Personal Computers Loan
8.25%
▼
APR8.25%
Last UpdatedJuly 26, 2026
Details
Purchase Price Plus Sales Tax. The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Toy Loan
8.25%
▼
APR8.25%
Last UpdatedJuly 26, 2026
Details
As low as
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
48 Months Loan
8.29%
▼
APR8.29%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Recreational Loan
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 2026
Details
$75,000
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
60 Months Loan
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Sweet Summer Loan
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
Borrow up to $10,000
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
90 Days Loan
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
12 Months Loan
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
Maximum Amount: $1,000
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
72 Months Loan
8.57%
▼
APR8.57%
Last UpdatedJuly 26, 2026
Details
No additional details available.
FAMILY ADVANTAGE
Institution Rating:
A+5.0 ★Texas Ratio: 7.18%
100 Stephen P Yokich Pkwy, Spring Hill, TN, 37174 3140
Personal Loan
8.65%
▼
APR8.65%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan (closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
120 months Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
Credit Rating: C
Southern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
508 National Ave, Chattanooga, TN, 37404
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
As low as; Rates effective as of 04/10/2024. Rates subject to change without notice.
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
122 E Macon Ln, Seymour, TN, 37865 4730
Equity Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
90% LTV (Loan to Value)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
5/1 Vacant Land Loan
8.85%
▼
APR8.85%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
3183 Poplar Ave, Memphis, TN, 38111
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
Member's interest rate decreased from 13.99% to 8.99%.
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1107 Mineral Wells Ave, Paris, TN, 38242 4903
Unsecured Loans
9.00%
▼
APR9.00%
Last UpdatedJuly 26, 2026
Details
Unsecured Loans
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
180 months Loan
9.00%
▼
APR9.00%
Last UpdatedJuly 26, 2026
Details
Credit Rating: C
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Vacation Loan
9.20%
▼
APR9.20%
Last UpdatedJuly 26, 2026
Details
As Low As; $1,500 Limit
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Personal Loan
9.20%
▼
APR9.20%
Last UpdatedJuly 26, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedJuly 26, 2026
Details
As Low As; $26,000 Maximum
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
214 Oil Well Rd, Jackson, TN, 38305 7914
Debt Consolidation Loan
9.24%
▼
APR9.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan (closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
OMC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1186 Old Lower River Rd NW, Charleston, TN, 37310
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates effective as of 03/31/2026
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
72 Months Loan
9.49%
▼
APR9.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
90 Days Loan
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
Debt Consolidation Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
minimum $7,500 - maximum $35,000
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
120 months Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
Credit Rating: D
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Vacation Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
As low as
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
As low as
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Appy Assist Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
As low as
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
130 Main St W, Mt Carmel, TN, 37645
12 to 60 months A Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
Personal Line-of-Credit Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1306 Highway 70 Byp, Jackson, TN, 38301
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
89 Hermitage Ave, Nashville, TN, 37210
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedJuly 26, 2026
Details
Rates as low as
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
89 Hermitage Ave, Nashville, TN, 37210
Emergency Loans
9.95%
▼
APR9.95%
Last UpdatedJuly 26, 2026
Details
Rates as low as
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
89 Hermitage Ave, Nashville, TN, 37210
Debt Consolidation Loans
9.95%
▼
APR9.95%
Last UpdatedJuly 26, 2026
Details
Rates as low as
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
1520 N 2nd St, Memphis, TN, 38107 1004
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
APR* Up To: 18.00%
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN, 37716 3943
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As; See disclosure section below for details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As; APR* 36 Months
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.47%
1450 Union University Dr, Jackson, TN, 38305
Personal Unsecured Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Secured Credit Builder Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 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 Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
MAX. limit <2000$
Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
164 N Henderson Ave Ste B, Sevierville, TN, 37862
New Teacher Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Equipment Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
214 Oil Well Rd, Jackson, TN, 38305 7914
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
180 months Loan
10.25%
▼
APR10.25%
Last UpdatedJuly 26, 2026
Details
Credit Rating: D
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedJuly 26, 2026
Details
Credit Score: 850-750
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedJuly 26, 2026
Details
As Low As
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
763 N Main St, Shelbyville, TN, 37160 2846
Signature Loans
10.45%
▼
APR10.45%
Last UpdatedJuly 26, 2026
Details
Based on annual income*; *10.45% to 18%**
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
As Low As
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
Credit Score: 850-750
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
627 Livingston Rd, Crossville, TN, 38555
90 Days Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
1828 Airbase Rd, Louisville, TN, 37777
Unsecured Loans
10.74%
▼
APR10.74%
Last UpdatedJuly 26, 2026
Details
Rates as low as 10.74%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan (closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Spot Me Loan
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
Credit Score: 749-700
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 60 months Loan
10.79%
▼
APR10.79%
Last UpdatedJuly 26, 2026
Details
As Low As; Max $50,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Safety Line (open-end loan)
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
PIAS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
Personal/Signature Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As low as
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As Low As; The APR is a broader measure of the cost of borrowing money since it reflects the interest rate and the fees you must pay to get the loan.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 72 months Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Max $50,000
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As Low As; APR* 48 Months
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3904 Central Pike, Hermitage, TN, 37076 3409
Up to 48 Months Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedJuly 26, 2026
Details
Credit Score: 749-700
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedJuly 26, 2026
Details
Credit Score: 699-650
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
11.50%
▼
APR11.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
11.50%
▼
APR11.50%
Last UpdatedJuly 26, 2026
Details
Credit Score: 699-650
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Lines of Credit & Signature Loans
11.50%
▼
APR11.50%
Last UpdatedJuly 26, 2026
Details
Variable
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
130 Main St W, Mt Carmel, TN, 37645
12 to 60 months B Loan
11.90%
▼
APR11.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
26 Century Blvd, Nashville, TN, 37214 3683
Signature Loan
11.90%
▼
APR11.90%
Last UpdatedJuly 26, 2026
Details
As low as
U T
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2100 White Ave, Knoxville, TN, 37916 2216
Relationship Signature Loan
11.99%
▼
APR11.99%
Last UpdatedJuly 26, 2026
Details
As Low As; $35.00 minimum payment. New money only. NCUA insured.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
12-24 Months Loan
11.99%
▼
APR11.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
12-36 Months Loan
11.99%
▼
APR11.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedJuly 26, 2026
Details
As Low As; APR* 60 Months
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3904 Central Pike, Hermitage, TN, 37076 3409
30/60/90 Notes Loan
12.00%
▼
APR12.00%
Last UpdatedJuly 26, 2026
Details
Single payment
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
12-12-12 Specialty Loan
12.00%
▼
APR12.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
90 Day Loan
12.24%
▼
APR12.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
Unsecured/Signature Loan
12.25%
▼
APR12.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Personal Loan
12.35%
▼
APR12.35%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN, 37716 3730
Signature Loan (Unsecured)
12.49%
▼
APR12.49%
Last UpdatedJuly 26, 2026
Details
Fixed; as low as
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
30, 60, 90 Day Notes Loan
12.50%
▼
APR12.50%
Last UpdatedJuly 26, 2026
Details
fixed rate
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Signature Loan
12.50%
▼
APR12.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Unsecured Term Loan
12.75%
▼
APR12.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Consolidation Loan
12.90%
▼
APR12.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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MonitorBankRates
Tennessee Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Personal Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loans
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As low as
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2711 Old Lebanon Pike, Nashville, TN, 37214
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As
FAMILY ADVANTAGE
Institution Rating:
A+5.0 ★Texas Ratio: 7.18%
100 Stephen P Yokich Pkwy, Spring Hill, TN, 37174 3140
Personal Loan
8.65%
▼
APR8.65%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Personal Loan
9.20%
▼
APR9.20%
Last UpdatedJuly 26, 2026
Details
As Low As
OMC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1186 Old Lower River Rd NW, Charleston, TN, 37310
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates effective as of 03/31/2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
As low as
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
89 Hermitage Ave, Nashville, TN, 37210
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedJuly 26, 2026
Details
Rates as low as
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN, 37716 3943
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As; See disclosure section below for details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As; APR* 36 Months
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
214 Oil Well Rd, Jackson, TN, 38305 7914
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedJuly 26, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
As Low As
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As Low As; APR* 48 Months
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As Low As; The APR is a broader measure of the cost of borrowing money since it reflects the interest rate and the fees you must pay to get the loan.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedJuly 26, 2026
Details
As Low As; APR* 60 Months
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Personal Loan
12.35%
▼
APR12.35%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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Tennessee Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedJuly 26, 2026
Details
As Low As; $26,000 Maximum
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
214 Oil Well Rd, Jackson, TN, 38305 7914
Debt Consolidation Loan
9.24%
▼
APR9.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
Debt Consolidation Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
minimum $7,500 - maximum $35,000
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
89 Hermitage Ave, Nashville, TN, 37210
Debt Consolidation Loans
9.95%
▼
APR9.95%
Last UpdatedJuly 26, 2026
Details
Rates as low as
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN, 37315
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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Tennessee Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As; Signature APR as low as 6.75%
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature (12mo) Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Unsecured / Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan (closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Southern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
508 National Ave, Chattanooga, TN, 37404
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
As low as; Rates effective as of 04/10/2024. Rates subject to change without notice.
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
3183 Poplar Ave, Memphis, TN, 38111
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
Member's interest rate decreased from 13.99% to 8.99%.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan (closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1306 Highway 70 Byp, Jackson, TN, 38301
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
1520 N 2nd St, Memphis, TN, 38107 1004
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
APR* Up To: 18.00%
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedJuly 26, 2026
Details
Credit Score: 850-750
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
763 N Main St, Shelbyville, TN, 37160 2846
Signature Loans
10.45%
▼
APR10.45%
Last UpdatedJuly 26, 2026
Details
Based on annual income*; *10.45% to 18%**
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
Credit Score: 850-750
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan (closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedJuly 26, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
Credit Score: 749-700
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 60 months Loan
10.79%
▼
APR10.79%
Last UpdatedJuly 26, 2026
Details
As Low As; Max $50,000
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 72 months Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Max $50,000
PIAS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
Personal/Signature Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
As low as
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedJuly 26, 2026
Details
Credit Score: 749-700
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedJuly 26, 2026
Details
Credit Score: 699-650
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Lines of Credit & Signature Loans
11.50%
▼
APR11.50%
Last UpdatedJuly 26, 2026
Details
Variable
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
11.50%
▼
APR11.50%
Last UpdatedJuly 26, 2026
Details
Credit Score: 699-650
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
11.50%
▼
APR11.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
26 Century Blvd, Nashville, TN, 37214 3683
Signature Loan
11.90%
▼
APR11.90%
Last UpdatedJuly 26, 2026
Details
As low as
U T
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2100 White Ave, Knoxville, TN, 37916 2216
Relationship Signature Loan
11.99%
▼
APR11.99%
Last UpdatedJuly 26, 2026
Details
As Low As; $35.00 minimum payment. New money only. NCUA insured.
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
Unsecured/Signature Loan
12.25%
▼
APR12.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN, 37716 3730
Signature Loan (Unsecured)
12.49%
▼
APR12.49%
Last UpdatedJuly 26, 2026
Details
Fixed; as low as
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Signature Loan
12.50%
▼
APR12.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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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
10.825%
▲ 0.379 vs 7 days ago
Tennessee personal loan rates rose 0.379 points over the past 7 days to 10.825% APR.
Signature Loan — TN Avg
11.076%
▲ 0.061 vs 7 days ago
Tennessee signature loan rates rose 0.061 points over the past 7 days to 11.076% APR.
As of Jul 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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?
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?
- Nashville Firemens Credit Union: 4.99% (New Computers Loan)
- TNConnect Credit Union: 5.25% (New/Used Loan)
- Staley Credit Union: 5.70% (Credit Builder Loan)
- Tennessee Military Federal Credit Union: 5.74% (Unimproved Land Loan)
- Bowater Employees Credit Union: 5.75% (12 Months 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: July 25, 2026.
