Best Personal Loan Rates in Franklin, Tennessee (TN) - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 Franklin, Tennessee include: Cornerstone Financial Credit UnionCornerstone Financial Credit Union102 Werthan Cir, Franklin, TN, 37064 4019A5.0 ★Texas Ratio: 6.66% offering Spot Me Loan at 10.75% APR, The Tennessee Credit UnionThe Tennessee Credit Union2000 Mallory Ln, Franklin, TN, 37067A+5.0 ★Texas Ratio: 3.41% offering Personal Loans at 10.99% APR, Veritas Federal Credit UnionVeritas Federal Credit Union1 Nissan Way, Franklin, TN, 37067A5.0 ★Texas Ratio: 9.95% offering Unsecured Loan at 11.00% APR, Ascend Federal Credit UnionAscend Federal Credit Union3150 Aspen Grove Dr, Franklin, TN, 37067 8229A+5.0 ★Texas Ratio: 2.48% offering Personal Loan at 12.35% APR, and Southeast Financial Credit UnionSoutheast Financial Credit Union220 S Royal Oaks Blvd, Franklin, TN, 37064 5313A5.0 ★Texas Ratio: 10.03% offering Personal Loans at 12.50% APR. Personal loan rates as of March 25, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Franklin, Tennessee can save you significantly over the life of your loan.
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 Franklin, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Franklin, 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: March 25, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
102 Werthan Cir, Franklin, TN, 37064 4019
Spot Me Loan
10.75%
▼
APR10.75%
Last UpdatedMarch 25, 2026
Details
up to $10,000 for 24 months
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2000 Mallory Ln, Franklin, TN, 37067
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
As Low As
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
1 Nissan Way, Franklin, TN, 37067
Unsecured Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3150 Aspen Grove Dr, Franklin, TN, 37067 8229
Personal Loan
12.35%
▼
APR12.35%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMarch 25, 2026
Details
As Low As; months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
102 Werthan Cir, Franklin, TN, 37064 4019
Signature Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 25, 2026
Details
up to 60 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Personal Lines of Credit
13.50%
▼
APR13.50%
Last UpdatedMarch 25, 2026
Details
As Low As; Revolving
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Loan Term
4.40%
▼
APR4.40%
Last UpdatedMarch 25, 2026
Details
As Low As; Fixed Rate
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
4.79%
▼
APR4.79%
Last UpdatedMarch 25, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Loan Term
4.90%
▼
APR4.90%
Last UpdatedMarch 25, 2026
Details
As Low As; Fixed Rate
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Fire Station Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Bus Loans (Depending on year)
5.00%
▼
APR5.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
5.05%
▼
APR5.05%
Last UpdatedMarch 25, 2026
Details
As Low As
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
5.10%
▼
APR5.10%
Last UpdatedMarch 25, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Personal Loans
5.15%
▼
APR5.15%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Loan Term
5.40%
▼
APR5.40%
Last UpdatedMarch 25, 2026
Details
As Low As; Fixed Rate
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
5.60%
▼
APR5.60%
Last UpdatedMarch 25, 2026
Details
As Low As
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
198 Blair Bend Dr, Loudon, TN, 37774
Credit Builder Loan
5.70%
▼
APR5.70%
Last UpdatedMarch 25, 2026
Details
No additional details available.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Recreational Loans
5.70%
▼
APR5.70%
Last UpdatedMarch 25, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Vacation Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Holiday Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
New Recreational Equipment Loans - Models 5 years or newer
5.80%
▼
APR5.80%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Loan Term
5.90%
▼
APR5.90%
Last UpdatedMarch 25, 2026
Details
As Low As; Fixed Rate
Gallatin Steam Plant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
1499 Steam Plant Rd, Gallatin, TN, 37066
Loans
5.99%
▼
APR5.99%
Last UpdatedMarch 25, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Collateral Loans - Used - 2011 and older
6.00%
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN, 38111
Construction Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details
Sample mortgage payment for a $200,000 loan with a 6.00% APR for 15 years would have a payment of $1,688.31 per month. Taxes and insurance not included, your actual payment obligation may be higher.
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 25, 2026
Details
As Low As
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Consumer Loans
6.40%
▼
APR6.40%
Last UpdatedMarch 25, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Land Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 25, 2026
Details
Loan-to-Value: 80%; Amount: 10 acres
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Loan Term
6.65%
▼
APR6.65%
Last UpdatedMarch 25, 2026
Details
As Low As; Fixed Rate
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
122 E Macon Ln, Seymour, TN, 37865 4730
Equity Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 25, 2026
Details
As Low As; 80% LTV (Loan to Value)
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Land Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Land Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 25, 2026
Details
As Low As; 15 Year Fixed
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2532 General Mills Way, Murfreesboro, TN, 37127
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 25, 2026
Details
As Low As; Enjoy 60 days with No Payments
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3261 N Mall Rd, Knoxville, TN, 37924
SIGNATURE LOAN
6.99%
▼
APR6.99%
Last UpdatedMarch 25, 2026
Details
As Low As
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature
7.00%
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details
As Low As
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN, 37214
Recreational Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedMarch 25, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Land Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
HE Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details
over $250,000; As Low As; 5 year adjustable - starting at
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
Land Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Construction Loan
7.49%
▼
APR7.49%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Heating, Ventilation, & Air Conditioning (HVAC) Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details
up to $250,000; As Low As; 10 year fixed
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN, 37214
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Unimproved Property Loan
7.67%
▼
APR7.67%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Unimproved Property Loan
7.87%
▼
APR7.87%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
7.90%
▼
APR7.90%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Signature (Personal) Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2110 W Mountcastle Dr, Johnson City, TN, 37604
Personal Loan/Consolidation
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
As Low As
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1591 Chickering Ln, Cordova, TN, 38016 8698
Debt Consolidation
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Lifestyle Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Foothills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
956 Mulberry St, Loudon, TN, 37774
Personal
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
Land Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details
As Low As; 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: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Major Appliances and Personal Computers
8.25%
▼
APR8.25%
Last UpdatedMarch 25, 2026
Details
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Unimproved Property Loan
8.28%
▼
APR8.28%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Loan Term
8.45%
▼
APR8.45%
Last UpdatedMarch 25, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Signature/Co-Signer Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details
No additional details available.
FAMILY ADVANTAGE
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
100 Stephen P Yokich Pkwy, Spring Hill, TN, 37174 3140
Personal
8.65%
▼
APR8.65%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Recreational Loans Used Waverunner
8.75%
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Southern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.49%
508 National Ave, Chattanooga, TN, 37404
Signature
8.75%
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details
As Low As
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
122 E Macon Ln, Seymour, TN, 37865 4730
Equity Loan
8.75%
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details
As Low As; 90% LTV (Loan to Value)
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2532 General Mills Way, Murfreesboro, TN, 37127
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1591 Chickering Ln, Cordova, TN, 38016 8698
Personal Signature
8.99%
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Signature
8.99%
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details
As Low As; Including Debt Consolidation
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
4606 Elvis Presley Blvd, Memphis, TN, 38116
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
1107 Mineral Wells Ave, Paris, TN, 38242 4903
Unsecured Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Copper Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
771 Ocoee St, Copperhill, TN, 37317
Signature Loans
9.20%
▼
APR9.20%
Last UpdatedMarch 25, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Debt Consolidation
9.20%
▼
APR9.20%
Last UpdatedMarch 25, 2026
Details
As Low As; $26,000 Maximum
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Personal
9.20%
▼
APR9.20%
Last UpdatedMarch 25, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Debt Consolidation
9.24%
▼
APR9.24%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Construction Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 25, 2026
Details
As Low As
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Signature Plus to $15,000
9.25%
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details
$7,501
OMC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
1186 Old Lower River Rd NW, Charleston, TN, 37310
Personal
9.25%
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Signature 6 - 60 mos.
9.25%
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN, 38104
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMarch 25, 2026
Details
No additional details available.
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details
Up to $5,000
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Appy Assist Loans
9.75%
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Vacation Loans
9.75%
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
Debt Consolidation Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details
minimum $7,500 - maximum $35,000
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
Signature
9.75%
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
627 Livingston Rd, Crossville, TN, 38555
Personal Line-of-Credit
9.90%
▼
APR9.90%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Comtrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5587 Highway 153, Hixson, TN, 37343
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN, 37645
Personal/Unsecured Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 25, 2026
Details
Credit Rating A
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1306 Highway 70 Byp, Jackson, TN, 38301
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMarch 25, 2026
Details
term given upon credit union approval
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Debt Consolidation Loans
9.95%
▼
APR9.95%
Last UpdatedMarch 25, 2026
Details
As Low As; Rates as low as 9.95%
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Emergency Loans
9.95%
▼
APR9.95%
Last UpdatedMarch 25, 2026
Details
As Low As; Rates as low as 9.95%
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedMarch 25, 2026
Details
As Low As; Rates as low as 9.95%
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN, 37701 2648
Personal
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
As Low As
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
As Low As
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN, 38111
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
Conditions Vary; other conditions apply
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
Personal Unsecured
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, TN, 37716 3943
Personal
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
As Low As; See disclosure section below for details
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1520 N 2nd St, Memphis, TN, 38107 1004
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
As Low As
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2532 General Mills Way, Murfreesboro, TN, 37127
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
Fixed rates starting at
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.83%
2120 Polymer Dr, Chattanooga, TN, 37421 2207
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
Personal
10.00%
▼
APR10.00%
Last UpdatedMarch 25, 2026
Details
As Low As
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
501 E Summit Hill Dr, Knoxville, TN, 37915 1030
Unsecured Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 25, 2026
Details
As Low As; Fixed
BMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2305 CHAMBLISS AVE NW, CLEVELAND, TN, 37311
Unsecured
10.00%
▼
APR10.00%
Last UpdatedMarch 25, 2026
Details
As Low As; MAX. limit <2000$ Terms @ 12months
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
SIGNATURE
10.00%
▼
APR10.00%
Last UpdatedMarch 25, 2026
Details
UP TO $10,000.00; UP TO 60 MONTHS
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3601 Paul R Lowry Rd, Memphis, TN, 38109 3007
Share Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Loan Term
10.09%
▼
APR10.09%
Last UpdatedMarch 25, 2026
Details
As Low As; Fixed Rate
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN, 38320
Signature Loan
10.22%
▼
APR10.22%
Last UpdatedMarch 25, 2026
Details
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.
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedMarch 25, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5207 Schubert Rd, Knoxville, TN, 37912
Signature/Co-Signer
10.25%
▼
APR10.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
Personal
10.25%
▼
APR10.25%
Last UpdatedMarch 25, 2026
Details
As Low As
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN, 37160 2846
Signature Loans
10.45%
▼
APR10.45%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
Personal
10.50%
▼
APR10.50%
Last UpdatedMarch 25, 2026
Details
As Low As
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
10.50%
▼
APR10.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
Personal
10.75%
▼
APR10.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedMarch 25, 2026
Details
As Low As; Max $50,000
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Signature / Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
As Low As; up to 60 months
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Safety Line(open-end loan)
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 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
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 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
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
As Low As; (terms vary)
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Signature
11.24%
▼
APR11.24%
Last UpdatedMarch 25, 2026
Details
Regular APR: 11.24% - 17.99%; Rate is based on credit performance, loan term, and PFCU discounts.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Personal Loans Unsecured Personal
11.24%
▼
APR11.24%
Last UpdatedMarch 25, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Unsecured Personal
11.24%
▼
APR11.24%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Unsecured Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 25, 2026
Details
As Low As
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Lines of Credit & Signature Loans
11.50%
▼
APR11.50%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
11.50%
▼
APR11.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Loan Term
11.85%
▼
APR11.85%
Last UpdatedMarch 25, 2026
Details
As Low As
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN, 37645
Personal/Unsecured Loans
11.90%
▼
APR11.90%
Last UpdatedMarch 25, 2026
Details
Credit Rating B
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Unspecified Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Personal Term Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN, 37916 2216
Relationship Signature Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 25, 2026
Details
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.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2000 Mallory Ln, Franklin, TN, 37067
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3150 Aspen Grove Dr, Franklin, TN, 37067 8229
Personal Loan
12.35%
▼
APR12.35%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMarch 25, 2026
Details
As Low As; months
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Personal Loans
5.15%
▼
APR5.15%
Last UpdatedMarch 25, 2026
Details
No additional details available.
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2532 General Mills Way, Murfreesboro, TN, 37127
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 25, 2026
Details
As Low As; Enjoy 60 days with No Payments
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN, 37214
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2110 W Mountcastle Dr, Johnson City, TN, 37604
Personal Loan/Consolidation
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
As Low As
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2532 General Mills Way, Murfreesboro, TN, 37127
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
4606 Elvis Presley Blvd, Memphis, TN, 38116
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN, 38104
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Comtrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5587 Highway 153, Hixson, TN, 37343
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 25, 2026
Details
No additional details available.
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedMarch 25, 2026
Details
As Low As; Rates as low as 9.95%
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2532 General Mills Way, Murfreesboro, TN, 37127
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
Fixed rates starting at
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
As Low As
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
501 E Summit Hill Dr, Knoxville, TN, 37915 1030
Unsecured Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 25, 2026
Details
As Low As; Fixed
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Signature / Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
As Low As; up to 60 months
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Personal Loans Unsecured Personal
11.24%
▼
APR11.24%
Last UpdatedMarch 25, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Unsecured Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 25, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1591 Chickering Ln, Cordova, TN, 38016 8698
Debt Consolidation
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Debt Consolidation
9.20%
▼
APR9.20%
Last UpdatedMarch 25, 2026
Details
As Low As; $26,000 Maximum
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Debt Consolidation
9.24%
▼
APR9.24%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
Debt Consolidation Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details
minimum $7,500 - maximum $35,000
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Debt Consolidation Loans
9.95%
▼
APR9.95%
Last UpdatedMarch 25, 2026
Details
As Low As; Rates as low as 9.95%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 25, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 25, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
102 Werthan Cir, Franklin, TN, 37064 4019
Signature Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 25, 2026
Details
up to 60 months
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3261 N Mall Rd, Knoxville, TN, 37924
SIGNATURE LOAN
6.99%
▼
APR6.99%
Last UpdatedMarch 25, 2026
Details
As Low As
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN, 37921
Signature
7.00%
▼
APR7.00%
Last UpdatedMarch 25, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedMarch 25, 2026
Details
As Low As
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Signature (Personal) Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 25, 2026
Details
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Signature/Co-Signer Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Southern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.49%
508 National Ave, Chattanooga, TN, 37404
Signature
8.75%
▼
APR8.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details
As Low As; Including Debt Consolidation
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Signature
8.99%
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1591 Chickering Ln, Cordova, TN, 38016 8698
Personal Signature
8.99%
▼
APR8.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Copper Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
771 Ocoee St, Copperhill, TN, 37317
Signature Loans
9.20%
▼
APR9.20%
Last UpdatedMarch 25, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedMarch 25, 2026
Details
No additional details available.
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Signature 6 - 60 mos.
9.25%
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Signature Plus to $15,000
9.25%
▼
APR9.25%
Last UpdatedMarch 25, 2026
Details
$7,501
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details
Up to $5,000
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
Signature
9.75%
▼
APR9.75%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1306 Highway 70 Byp, Jackson, TN, 38301
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMarch 25, 2026
Details
term given upon credit union approval
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN, 38111
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
Conditions Vary; other conditions apply
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.83%
2120 Polymer Dr, Chattanooga, TN, 37421 2207
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1520 N 2nd St, Memphis, TN, 38107 1004
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 25, 2026
Details
As Low As
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
SIGNATURE
10.00%
▼
APR10.00%
Last UpdatedMarch 25, 2026
Details
UP TO $10,000.00; UP TO 60 MONTHS
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN, 38320
Signature Loan
10.22%
▼
APR10.22%
Last UpdatedMarch 25, 2026
Details
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.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5207 Schubert Rd, Knoxville, TN, 37912
Signature/Co-Signer
10.25%
▼
APR10.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN, 37160 2846
Signature Loans
10.45%
▼
APR10.45%
Last UpdatedMarch 25, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
10.50%
▼
APR10.50%
Last UpdatedMarch 25, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Signature Loan(closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedMarch 25, 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
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
As Low As; (terms vary)
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 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
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Enbright Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Signature / Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
As Low As; up to 60 months
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Signature
11.24%
▼
APR11.24%
Last UpdatedMarch 25, 2026
Details
Regular APR: 11.24% - 17.99%; Rate is based on credit performance, loan term, and PFCU discounts.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Lines of Credit & Signature Loans
11.50%
▼
APR11.50%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Personal/Signature Loans
11.50%
▼
APR11.50%
Last UpdatedMarch 25, 2026
Details
As Low As
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN, 37916 2216
Relationship Signature Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 25, 2026
Details
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.
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No home improvement personal loan rates found in Franklin, TN currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Tennessee?
Most lenders in Franklin, 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 Franklin, 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 Franklin, 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 Franklin, Tennessee?
Credit unions in Franklin, 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 Franklin, Tennessee?
- Cornerstone Financial Credit Union: 10.75% (Spot Me Loan)
- The Tennessee Credit Union: 10.99% (Personal Loans)
- Veritas Federal Credit Union: 11.00% (Unsecured Loan)
- Ascend Federal Credit Union: 12.35% (Personal Loan)
- Southeast Financial Credit Union: 12.50% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Franklin, Tennessee. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 25, 2026.
Personal Loan Calculators
