Loans in Clay County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clay County, TN.
The median household in Clay County earns $39,972 a year, 43% below the Tennessee median of $69,595. About 24% of residents live below the federal poverty line, and 25.6% of households rent their home. 15.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Clay County
Here's what to have on hand before you start your payday loan request in Clay 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 Clay County
What Clay County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Clay 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 Clay County
Banks with branches in Clay County
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wellworth Bank | 1 | 101 E Lake Ave, Celina 38551 |
| Macon Bank and Trust Company | 1 | 201 Main St, Celina 38551 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Clay County. The nearest counties with credit unions:
Credit unions in Putnam County
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Ascend | 1265 Interstate Dr Ste 107, Cookeville 38501 |
| Middle Tennessee | 1255 E Spring St, Cookeville 38501 |
| Ten | 1281 S Walnut Ave, Cookeville 38501 |
| Upper Cumberland | 1515 Interstate Dr, Cookeville 38501 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Fentress County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Upper Cumberland | 6829 S York Hwy, Clarkrange 38553 |
Source: NCUA credit union branch data, June 30, 2026.
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Clay County?
Clay 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 Clay 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 Clay County?
Options include 2 bank 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 Clay County?
Fill out our short online form from anywhere in Clay 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 apply for a loan online in Clay County?
Yes. You don't need to visit a branch or storefront anywhere in Clay 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.
Can I get an emergency loan in Clay County?
Yes. When an unexpected bill comes up, Clay 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 Clay County with bad credit?
Yes, many lenders in our network work with Clay 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 get a loan in Clay 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. Clay County residents can start any time, and it takes about 3 minutes.