Best Personal Loan Rates in Kingsport, 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 Kingsport, Tennessee include: Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union2518 E Stone Dr, Kingsport, TN, 37660 5847A+5.0 ★Texas Ratio: 3.25% offering LIMITED-TIME New Rec Loan Rate Special 2021-2026 at 4.99% APR, Eastman Credit UnionEastman Credit Union2021 Meadowview Ln, Kingsport, TN, 37660A+5.0 ★Texas Ratio: 1.27% offering Equipment Loan at 6.65% APR, Appalachian Community Federal Credit UnionAppalachian Community Federal Credit Union1500 E Stone Dr, Kingsport, TN, 37660A+5.0 ★Texas Ratio: 1.13% offering Vacation Loans at 9.75% APR, Horizon Credit Union Kingsport, TNHorizon Credit Union Kingsport, TN1201 N Eastman Rd, Kingsport, TN, 37664 3163A+5.0 ★Texas Ratio: 0.78% offering Personal/Unsecured Loans at 9.90% APR, and Select Seven Federal Credit UnionSelect Seven Federal Credit Union1708 E Stone Dr, Kingsport, TN, 37660A+5.0 ★Texas Ratio: 0.06% offering Signature at 10.99% APR. Personal loan rates as of May 20, 2026 according to verified data from MonitorBankRates.
Kingsport has 5 local institutions in our database, with personal loan rates as low as 4.99% APR from Knoxville TVA Employees Credit Union at 2518 E Stone Dr, Kingsport, TN, 37660 5847. 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 Kingsport, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kingsport, 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 20, 2026
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.
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.
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.
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.
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; Regular APR: 10.090%
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As Low As; Rate based on creditworthiness and term of loan.
As Low As; Loan Amount $500 - $1,000
No additional details available.
80% LTV (Loan to Value)
As Low As; Rate based on creditworthiness and term of loan.
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over $250,000; As Low As; 5 year adjustable - starting at 7.25% APR*
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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.
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)
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As Low As; Including Debt Consolidation
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As Low As; $26,000 Maximum
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Up to $5,000
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minimum $7,500 - maximum $35,000
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term given upon credit union approval
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As Low As; See disclosure section below for details
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As Low As; MAX. limit <2000$ 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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As Low As; The rate is variable. It is prime + 6.75%.
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up to $10,000 for 24 months
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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.
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As Low As; Fixed
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up to 60 months
No additional details available.
As Low As; Rate based on creditworthiness and term of loan.
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Up to 5 years
No additional details available.
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; Max. 60 Months
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As Low As; Loan Amount $500 - $1,000
As Low As; MAX. limit @ $2001 to $5000 Terms @ 36months
UP TO $1000
UP TO $5000
*12month term max*
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As Low As; Loan Amount $500 - $1,000
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As Low As; The rate is variable. It is prime + 6.75%.
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As Low As; Rate based on creditworthiness and term of loan.
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As Low As; Max. 60 Months
As Low As; Loan Amount $500 - $1,000
No additional details available.
As Low As; $26,000 Maximum
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minimum $7,500 - maximum $35,000
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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; Including Debt Consolidation
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Up to $5,000
No additional details available.
term given upon credit union approval
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No additional details available.
No additional details available.
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.
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As Low As; (terms vary)
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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.
No additional details available.
As Low As; Fixed
up to 60 months
Up to 5 years
This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **
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UP TO $5000
Kingsport, TN Personal Loan Rate Trends
Compare local Kingsport, 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 0.018 points over the past 7 days to 10.767% APR.
Tennessee signature loan rates currently average 11.215% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kingsport, 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 Kingsport, 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 Kingsport, 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 Kingsport, Tennessee?
What are the best personal loan rates in Kingsport, Tennessee?
- Knoxville TVA Employees Credit Union: 4.99% (LIMITED-TIME New Rec Loan Rate Special 2021-2026)
- Eastman Credit Union: 6.65% (Equipment Loan)
- Appalachian Community Federal Credit Union: 9.75% (Vacation Loans)
- Horizon Credit Union Kingsport, TN: 9.90% (Personal/Unsecured Loans)
- Select Seven Federal Credit Union: 10.99% (Signature)
Personal Loan Calculators
