Best Personal Loan Rates in Cookeville, Tennessee - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Cookeville, Tennessee include: Upper Cumberland Federal Credit UnionUpper Cumberland Federal Credit Union1515 Interstate Dr, Cookeville, TN, 38501A+5.0 ★Texas Ratio: 1.37% offering 120 months Loan at 6.00% APR, Ascend Federal Credit UnionAscend Federal Credit Union1265 Interstate Dr Ste 107, Cookeville, TN, 38501 5198A+5.0 ★Texas Ratio: 2.38% offering Recreational Loan at 6.99% APR, The Tennessee Credit UnionThe Tennessee Credit Union1281 S Walnut Ave, Cookeville, TN, 38501 5963A+5.0 ★Texas Ratio: 3.25% offering Personal Loans at 10.99% APR, Nashville Firemens Credit UnionNashville Firemens Credit UnionA+5.0 ★Texas Ratio: 4.99% offering New Computers Loan at 4.99% APR, and TNConnect Credit UnionTNConnect Credit UnionA+5.0 ★Texas Ratio: 5.41% offering New/Used Loan at 5.25% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Cookeville has 3 local institutions in our database, with personal loan rates as low as 6.00% APR from Upper Cumberland Federal Credit Union at 1515 Interstate Dr, Cookeville, TN, 38501. 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 Cookeville, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cookeville, 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
Cookeville Personal Loan Rates
Credit Rating: A+
Credit Rating: A+
Credit Rating: A
Credit Rating: A+
Credit Rating: A
NO MINIMUM
Credit Rating: A
$20,000
$60,000
Credit Rating: B
$20,000
Credit Rating: B
$75,000
Credit Rating: B
$75,000
No additional details available.
Credit Rating: C
No additional details available.
Credit Rating: C
No additional details available.
Credit Rating: D
No additional details available.
Credit Rating: D
No additional details available.
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.
No additional details available.
No additional details available.
No additional details available.
As Low As; 100% of Retail
As Low As; **
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.
Rates as low as 5.74%
No additional details available.
No additional details available.
No additional details available.
As low as
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.
As Low As; ***
80% LTV (Loan to Value)
As Low As; *
No additional details available.
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.
As Low As; Signature APR as low as 6.75%
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.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As low as
No additional details available.
No additional details available.
No additional details available.
Fixed; starting at
As Low As
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
As low as
Purchase Price Plus Sales Tax. The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
No additional details available.
Borrow up to $10,000
Maximum Amount: $1,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
90% LTV (Loan to Value)
As low as; Rates effective as of 04/10/2024. Rates subject to change without notice.
Member's interest rate decreased from 13.99% to 8.99%.
No additional details available.
Unsecured Loans
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; Rates effective as of 03/31/2026
No additional details available.
No additional details available.
No additional details available.
minimum $7,500 - maximum $35,000
No additional details available.
As low as
As low as
As low as
No additional details available.
No additional details available.
Rates as low as
Rates as low as
Rates as low as
As Low As
No additional details available.
As Low As; APR* 36 Months
As Low As; See disclosure section below for details
APR* Up To: 18.00%
No additional details available.
As Low As
No additional details available.
MAX. limit <2000$
No additional details available.
As Low As
No additional details available.
As Low As
Credit Score: 850-750
Based on annual income*; *10.45% to 18%**
Credit Score: 850-750
No additional details available.
As Low As
Rates as low as 10.74%
No additional details available.
No additional details available.
Credit Score: 749-700
As Low As
As Low As; Max $50,000
As Low As; Max $50,000
No additional details available.
As Low As; APR* 48 Months
No additional details available.
As low as
No additional details available.
Credit Score: 749-700
Credit Score: 699-650
No additional details available.
Variable
Credit Score: 699-650
No additional details available.
As low as
As Low As; $35.00 minimum payment. New money only. NCUA insured.
No additional details available.
No additional details available.
As Low As; APR* 60 Months
No additional details available.
Single payment
No additional details available.
No additional details available.
No additional details available.
Fixed; as low as
fixed rate
No additional details available.
No additional details available.
No additional details available.
Cookeville Personal Loan Rates
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.
No additional details available.
No additional details available.
As low as
As Low As
No additional details available.
As Low As
As Low As; Rates effective as of 03/31/2026
As low as
Rates as low as
As Low As; See disclosure section below for details
As Low As; APR* 36 Months
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As; APR* 48 Months
As Low As; APR* 60 Months
No additional details available.
Cookeville Debt Consolidation Loan Rates
As Low As; $26,000 Maximum
No additional details available.
minimum $7,500 - maximum $35,000
Rates as low as
No additional details available.
Cookeville Signature Loan Rates
As Low As; Signature APR as low as 6.75%
No additional details available.
No additional details available.
No additional details available.
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
No additional details available.
As low as; Rates effective as of 04/10/2024. Rates subject to change without notice.
No additional details available.
Member's interest rate decreased from 13.99% to 8.99%.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR* Up To: 18.00%
No additional details available.
Credit Score: 850-750
Based on annual income*; *10.45% to 18%**
Credit Score: 850-750
No additional details available.
No additional details available.
Credit Score: 749-700
As Low As; Max $50,000
No additional details available.
As Low As; Max $50,000
As low as
Credit Score: 749-700
Credit Score: 699-650
Variable
Credit Score: 699-650
No additional details available.
As low as
As Low As; $35.00 minimum payment. New money only. NCUA insured.
No additional details available.
Fixed; as low as
No additional details available.
Cookeville, TN Personal Loan Rate Trends
Compare local Cookeville, 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 rose 0.379 points over the past 7 days to 10.825% APR.
Tennessee signature loan rates rose 0.061 points over the past 7 days to 11.076% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cookeville, 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 Cookeville, 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 Cookeville, 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 Cookeville, Tennessee?
What are the best personal loan rates in Cookeville, Tennessee?
- Upper Cumberland Federal Credit Union: 6.00% (120 months Loan)
- Ascend Federal Credit Union: 6.99% (Recreational Loan)
- The Tennessee Credit Union: 10.99% (Personal Loans)
- Nashville Firemens Credit Union: 4.99% (New Computers Loan)
- TNConnect Credit Union: 5.25% (New/Used Loan)
Cookeville, Tennessee Rates & Resources
Personal Loan Calculators
