Best Personal Loan Rates in Cottage Grove, Tennessee (TN) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Cottage Grove, Tennessee include: Alcoa Tenn Federal Credit UnionAlcoa Tenn Federal Credit UnionA+5.0 ★Texas Ratio: 4.66% offering Consumer Loans at 4.79% APR, Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR, Knox County Teachers Federal Credit UnionKnox County Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.22% offering Bus Loans (Depending on year) at 5.00% APR, United Southeast Federal Credit UnionUnited Southeast Federal Credit UnionA+5.0 ★Texas Ratio: 2.52% offering Personal Loans at 5.15% APR, and EMPLOYEE RESOURCESEMPLOYEE RESOURCESA+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.
Cottage Grove borrowers have access to 70 lenders serving the Tennessee area, with personal loan rates as low as 4.79% APR from Alcoa Tenn Federal Credit Union. Use the tabs below to compare all available personal loan types. 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 Cottage Grove, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cottage Grove, 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
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As Low As; Regular APR: 10.090%
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over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
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up to $250,000; As Low As; 10 year fixed
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As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
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As Low As; $26,000 Maximum
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$7,501
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Up to $5,000
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minimum $7,500 - maximum $35,000
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auto payments transfer
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As Low As; Rates as low as 9.95%
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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.
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From 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
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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.
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.
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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.
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As Low As; Rates as low as 9.95%
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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.
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As Low As; $26,000 Maximum
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minimum $7,500 - maximum $35,000
As Low As; Rates as low as 9.95%
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As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
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$7,501
Up to $5,000
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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.
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From 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
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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.
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.
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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.
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Cottage Grove, TN Personal Loan Rate Trends
Compare local Cottage Grove, TN 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 fell 0.291 points over the past 7 days to 9.859% APR.
Tennessee signature loan rates fell 0.426 points over the past 7 days to 10.917% APR.
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 Cottage Grove, Tennessee?
What are the best personal loan rates in Cottage Grove, 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 Calculators
