Best Personal Loan Rates in Johnson City, 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 Johnson City, Tennessee include: United Southeast Federal Credit UnionUnited Southeast Federal Credit Union4718 N Roan St, Johnson City, TN, 37615 3837A+5.0 ★Texas Ratio: 2.52% offering Personal Loans at 5.15% APR, Eastman Credit UnionEastman Credit Union113 Broyles Dr, Johnson City, TN, 37601A+5.0 ★Texas Ratio: 1.31% offering Equipment Loan at 6.65% APR, Appalachian Community Federal Credit UnionAppalachian Community Federal Credit Union3101 Peoples St, Johnson City, TN, 37604A+5.0 ★Texas Ratio: 1.21% offering Appy Assist Loans at 9.75% APR, The Tennessee Credit UnionThe Tennessee Credit Union310 SUNSET DR, JOHNSON CITY, TN, 37604 2451A+5.0 ★Texas Ratio: 3.41% offering Personal Loans at 10.99% APR, and Select Seven Federal Credit UnionSelect Seven Federal Credit Union333 E Main St, Johnson City, TN, 37601A+5.0 ★Texas Ratio: 0.06% offering Signature at 10.99% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Johnson City has 5 local institutions in our database, with personal loan rates as low as 5.15% APR from United Southeast Federal Credit Union at 4718 N Roan St, Johnson City, TN, 37615 3837. 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 Johnson City, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Johnson City, 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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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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auto payments transfer
minimum $7,500 - maximum $35,000
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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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Johnson City, TN Personal Loan Rate Trends
Compare local Johnson City, 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 Johnson City, Tennessee?
What are the best personal loan rates in Johnson City, Tennessee?
- United Southeast Federal Credit Union: 5.15% (Personal Loans)
- Eastman Credit Union: 6.65% (Equipment Loan)
- Appalachian Community Federal Credit Union: 9.75% (Appy Assist Loans)
- The Tennessee Credit Union: 10.99% (Personal Loans)
- Select Seven Federal Credit Union: 10.99% (Signature)
Personal Loan Calculators
