Loans in Bedford County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bedford County, TN.
The median household in Bedford County earns $67,225 a year, about the same as the Tennessee median of $69,595. About 13% of residents live below the federal poverty line, and 28.1% of households rent their home. 10.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Bedford County
Here's what to have on hand before you start your payday loan request in Bedford County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Bedford County
What Bedford County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Bedford County
Payday Loans Legal
Payday loans (deferred presentment services) are legal in Tennessee from lenders licensed by TDFI under the Deferred Presentment Services Act, Tenn.
Personal Loans
36% effective rate for industrial loan and thrift loans of $100+ (since July 2025); flex loans 24% plus fee.
Title Loans Legal
Title loans (title pledge loans) are legal in Tennessee from lenders licensed by TDFI under the Title Pledge Act, Tenn.
Banks and credit unions in Bedford County
Banks with branches in Bedford County
10 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Community Bank of Tennessee | 3 | 207 Elm St, Shelbyville 37160 |
| U.S. Bank National Association | 1 | 100 Public Sq N, Shelbyville 37160 |
| FirstBank | 1 | 508 Madison St, Shelbyville 37160 |
| Regions Bank | 1 | 101 Elm St, Shelbyville 37160 |
| Pinnacle Bank | 1 | 604 N Main St, Shelbyville 37160 |
| First Commerce Bank | 1 | 1122 N Main St, Shelbyville 37160 |
| Wellworth Bank | 1 | 1602 N Main St, Shelbyville 37160 |
| The First National Bank of Middle Tennessee | 1 | 1700 N Main St, Shelbyville 37160 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bedford County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Redstone | 1701 N Main St, Shelbyville 37160 |
| Ascend | 1900 N Main St, Shelbyville 37160 |
| Heritage South Community Cu | 763 N Main St, Shelbyville 37160 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Bedford County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Bedford County?
Bedford County follows Tennessee law. Payday loans (deferred presentment services) are legal in Tennessee from lenders licensed by TDFI under the Deferred Presentment Services Act, Tenn.
Are title loans legal in Bedford County?
Title loans (title pledge loans) are legal in Tennessee from lenders licensed by TDFI under the Title Pledge Act, Tenn.
Where can I get a small loan in Bedford County?
Options include 10 bank and 3 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Bedford County?
Fill out our short online form from anywhere in Bedford County. We share it with lenders in our network that serve Tennessee; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Bedford County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Bedford County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Bedford County?
Yes. When an unexpected bill comes up, Bedford County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Bedford County with bad credit?
Yes, many lenders in our network work with Bedford County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Bedford County, TN?
You can apply at banks, credit unions and lenders in Bedford County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Tennessee residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.