Loans in Benton County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Benton County, TN.
The median household in Benton County earns $51,746 a year, 26% below the Tennessee median of $69,595. About 18% of residents live below the federal poverty line, and 24.9% of households rent their home. 17.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Benton County
Here's what to have on hand before you start your payday loan request in Benton 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 Benton County
What Benton County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Benton 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 Benton County
Banks with branches in Benton County
6 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Apex Bank | 4 | 102 E Main St, Camden 38320 |
| FirstBank | 1 | 126 Highway 641 N, Camden 38320 |
| Carroll Bank and Trust | 1 | 102 Highway 641 N, Camden 38320 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Benton County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Johnsonville Tva Employees | 209 Highway 641 N, Camden 38320 |
Source: NCUA credit union branch data, June 30, 2026.
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Benton County?
Benton 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 Benton 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 Benton County?
Options include 6 bank and 1 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 Benton County?
Fill out our short online form from anywhere in Benton 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.
Where can I get a loan in Benton County, TN?
You can apply at banks, credit unions and lenders in Benton 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.
Can I get an emergency loan in Benton County?
Yes. When an unexpected bill comes up, Benton 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 Benton County with bad credit?
Yes, many lenders in our network work with Benton 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.
Can I apply for a loan online in Benton County?
Yes. You don't need to visit a branch or storefront anywhere in Benton County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Tennessee. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.