Best Personal Loan Rates in Shelbyville, 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 Shelbyville, Tennessee include: Ascend Federal Credit UnionAscend Federal Credit Union1900 N Main St, Shelbyville, TN, 37160A+5.0 ★Texas Ratio: 2.38% offering Recreational Loan at 6.99% APR, Heritage South Community Credit UnionHeritage South Community Credit Union763 N Main St, Shelbyville, TN, 37160 2846A+5.0 ★Texas Ratio: 1.52% offering Signature Loans at 10.45% APR, Redstone Federal Credit UnionRedstone Federal Credit Union1701 N Main St, Shelbyville, TN, 37160 2303A+5.0 ★Texas Ratio: 2.90% offering Personal Unsecured Signature - 60 months Loan at 10.79% APR, Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit UnionA+5.0 ★Texas Ratio: 3.89% offering Mileage - Within 3 most recent model years and less than 25,000 miles Loan at 4.89% 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 12, 2026 according to verified data from MonitorBankRates.
Shelbyville has 3 local institutions in our database, with personal loan rates as low as 6.99% APR from Ascend Federal Credit Union at 1900 N Main St, Shelbyville, TN, 37160. 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 Shelbyville, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Shelbyville, 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 12, 2026
Shelbyville Personal Loan Rates
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Based on annual income. Rates are variable and may change without notice. Contact credit union for current rates.
As Low As; Max $50,000
As Low As
As Low As; Max $50,000
As Low As
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As Low As
As Low As; Min $500 up to Max $1,600
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As Low As; **
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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.
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As Low As
As Low As; 14.99%
Credit Rating: A+
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; ***
Credit Rating: A+
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Credit Rating: A
Credit Rating: A+
Fixed Rate
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Credit Rating: A
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.
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As Low As; New money only. Eligibility required. NCUA insured. Promotional period is 6.1.2026 - 9.1.2026. 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.
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Signature APR
As Low As
As Low As
Credit Rating: A
As Low As; (includes Travel Trailers, Fifth Wheels, Class A, Class B, and Class C Motorhomes)
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As Low As
Credit Rating: B
As Low As
Maximum Amount: 20% of Gross Income - Depends on Credit Score
As Low As; Fixed
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Maximum Amount
Credit Rating: B
As Low As; (7 years old or newer) (includes Travel Trailers, Fifth Wheels, Class A, Class B, and Class C Motorhomes)
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As Low As; 17.99%
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Credit Rating: B
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Purchase Price Plus Sales Tax. The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As; (8-15 years old) (includes Travel Trailers, Fifth Wheels, Class A, Class B, and Class C Motorhomes)
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Fixed Rate
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Borrow up to $10,000
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Maximum Amount: $1,000
As Low As; Rate accurate as of July 3, 2026
Maximum Amount
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As low as; Rates effective as of 04/10/2024. Rates subject to change without notice.
90% LTV (Loan to Value)
Credit Rating: C
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Member's interest rate decreased from 13.99% to 8.99%.
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Models 2015 - 2016
Unsecured Loans
Credit Rating: C
As Low As; Rate accurate as of July 3, 2026
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As Low As; Rates effective as of 03/31/2026
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Rate accurate as of July 3, 2026
As Low As; Rate accurate as of July 3, 2026
As low as 9.75%
As low as 9.75%
As low as 9.75%
Credit Rating: D
Eligibility based on previous lending history.
No additional details available.
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As Low As
As Low As
As Low As
As Low As; APR* 36 Months
As Low As; See disclosure section below for details
APR* Up To: 18.00%
As Low As
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As Low As
As Low As
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Rate accurate as of July 3, 2026
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As Low As
Credit Rating: D
As Low As
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Rate accurate as of July 3, 2026
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As Low As
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ECU will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account.
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As Low As; APR* 48 Months
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As low as 10.99% APR; (terms vary)
As Low As; APR = Annual Percentage Rate. The cost you pay yearly to borrow money, including fees, is expressed as a percentage. 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.
Rate accurate as of July 3, 2026
Based on Prime Rate Plus a margin based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Your interest rate may change.
Variable
As Low As; Signature
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As Low As; $10,000.00 maximum 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* 60 Months
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Single payment
Rate accurate as of July 3, 2026
Shelbyville Personal Loan Rates
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As Low As
As Low As; 14.99%
As Low As
As Low As
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As Low As; 17.99%
Fixed Rate
As Low As; Rates effective as of 03/31/2026
Rate accurate as of July 3, 2026
As low as 9.75%
As Low As
As Low As; APR* 36 Months
As Low As; See disclosure section below for details
As Low As
As Low As
Rate accurate as of July 3, 2026
No additional details available.
As Low As
As Low As
Rate accurate as of July 3, 2026
As Low As
As Low As; APR = Annual Percentage Rate. The cost you pay yearly to borrow money, including fees, is expressed as a percentage. 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.
As Low As; APR* 48 Months
Rate accurate as of July 3, 2026
As Low As; APR* 60 Months
Rate accurate as of July 3, 2026
Shelbyville Debt Consolidation Loan Rates
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As Low As
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Shelbyville Signature Loan Rates
Based on annual income. Rates are variable and may change without notice. Contact credit union for current rates.
As Low As; Max $50,000
As Low As
As Low As; Max $50,000
As Low As
Signature APR
Maximum Amount: 20% of Gross Income - Depends on Credit Score
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
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%.
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APR* Up To: 18.00%
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As low as 10.99% APR; (terms vary)
Variable
As Low As; Signature
As Low As; $10,000.00 maximum 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.
Shelbyville, TN Personal Loan Rate Trends
Compare local Shelbyville, 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 0.361 points over the past 7 days to 10.261% APR.
Tennessee signature loan rates rose 0.149 points over the past 7 days to 11.157% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Shelbyville, 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 Shelbyville, 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 Shelbyville, 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 Shelbyville, Tennessee?
What are the best personal loan rates in Shelbyville, Tennessee?
- Ascend Federal Credit Union: 6.99% (Recreational Loan)
- Heritage South Community Credit Union: 10.45% (Signature Loans)
- Redstone Federal Credit Union: 10.79% (Personal Unsecured Signature - 60 months Loan)
- Tennessee Valley Federal Credit Union: 4.89% (Mileage - Within 3 most recent model years and less than 25,000 miles Loan)
- TNConnect Credit Union: 5.25% (New/Used Loan)
Shelbyville, Tennessee Rates & Resources
Personal Loan Calculators
