Best Personal Loan Rates in Chattanooga, Tennessee (TN) - May 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 Chattanooga, Tennessee include: Chattanooga Federal Employees Credit UnionChattanooga Federal Employees Credit Union2011 Stein Dr, Chattanooga, TN, 37421 1692A+5.0 ★Texas Ratio: 3.71% offering Personal/Signature Loans at 7.50% APR, Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit Union535 Chestnut St, Chattanooga, TN, 37402A+5.0 ★Texas Ratio: 4.06% offering Personal Term Loan at 7.90% APR, Southern Credit UnionSouthern Credit Union508 National Ave, Chattanooga, TN, 37404A5.0 ★Texas Ratio: 9.49% offering Signature at 8.75% APR, Memorial Credit Union Chattanooga, TNMemorial Credit Union Chattanooga, TN6800 Longview Rd, Chattanooga, TN, 37421A+5.0 ★Texas Ratio: 4.42% offering Signature at 8.99% APR, and BCBST Employees Credit UnionBCBST Employees Credit Union1 Cameron Hill Cir, Chattanooga, TN, 37402A+5.0 ★Texas Ratio: 0.00% offering Signature Loans at 9.50% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Chattanooga has 10 local institutions in our database, with personal loan rates as low as 7.50% APR from Chattanooga Federal Employees Credit Union at 2011 Stein Dr, Chattanooga, TN, 37421 1692. 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 Chattanooga, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Chattanooga, 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: May 12, 2026
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Up to $5,000
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Qualifications Required: Direct Deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
As Low As
As Low As
No additional details available.
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
Qualifications Required: Direct Deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
No additional details available.
No additional details available.
As Low As; Rate based on creditworthiness and term of loan.
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
As Low As
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
As Low As
As Low As; Regular APR: 10.090%
No additional details available.
80% LTV (Loan to Value)
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
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As Low As
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As Low As
No additional details available.
over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
No additional details available.
up to $250,000; As Low As; 10 year fixed
No additional details available.
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As Low As
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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.
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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90% LTV (Loan to Value)
As Low As; Including Debt Consolidation
No additional details available.
As Low As; $26,000 Maximum
As Low As
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As Low As
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minimum $7,500 - maximum $35,000
No additional details available.
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As Low As
As Low As
No additional details available.
term given upon credit union approval
No additional details available.
As Low As; Rates as low as 9.95%
As Low As; Rates as low as 9.95%
As Low As; Rates as low as 9.95%
As Low As
As Low As; See disclosure section below for details
No additional details available.
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APR as low as
As Low As
As Low As; MAX. limit <2000$ Terms @ 12months
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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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up to $10,000 for 24 months
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No additional details available.
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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As Low As; Fixed
up to 60 months
No additional details available.
As Low As; Rate based on creditworthiness and term of loan.
Up to 5 years
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As Low As
This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **
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As Low As; Fixed
As Low As; Max. 60 Months
As Low As; Max. 60 Months
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As Low As; Rates as low as 9.95%
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As Low As
As Low As; Rate based on creditworthiness and term of loan.
As Low As
No additional details available.
As Low As
As Low As; Max. 60 Months
No additional details available.
As Low As; $26,000 Maximum
No additional details available.
minimum $7,500 - maximum $35,000
As Low As; Rates as low as 9.95%
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Up to $5,000
No additional details available.
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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.
No additional details available.
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As Low As; Including Debt Consolidation
No additional details available.
No additional details available.
term given upon credit union approval
As Low As
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No additional details available.
APR 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
As Low As
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As Low As
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.
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.
No additional details available.
As Low As; Fixed
up to 60 months
Up to 5 years
As Low As
This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **
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No additional details available.
Chattanooga, TN Personal Loan Rate Trends
Compare local Chattanooga, 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 0.193 points over the past 7 days to 10.785% APR.
Tennessee signature loan rates rose 0.313 points over the past 7 days to 11.215% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Chattanooga, 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 Chattanooga, 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 Chattanooga, 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 Chattanooga, Tennessee?
What are the best personal loan rates in Chattanooga, Tennessee?
- Chattanooga Federal Employees Credit Union: 7.50% (Personal/Signature Loans)
- Tennessee Valley Federal Credit Union: 7.90% (Personal Term Loan)
- Southern Credit Union: 8.75% (Signature)
- Memorial Credit Union Chattanooga, TN: 8.99% (Signature)
- BCBST Employees Credit Union: 9.50% (Signature Loans)
Personal Loan Calculators
