Loans in Giles County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Giles County, TN.
The median household in Giles County earns $62,307 a year, 10% below the Tennessee median of $69,595. About 13% of residents live below the federal poverty line, and 26.7% of households rent their home. 15.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Giles County
Here's what to have on hand before you start your payday loan request in Giles 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 Giles County
What Giles County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Giles 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 Giles County
Banks with branches in Giles County
13 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank of Pulaski | 6 | 206 S 1st St, Pulaski 38478 |
| Bank of Frankewing | 2 | 2324 Highway 64, Frankewing 38459 |
| CB&S Bank, Inc. | 2 | 307 W Madison St, Pulaski 38478 |
| Truist Bank | 1 | 222 W Madison St, Pulaski 38478 |
| The Huntington National Bank | 1 | 26327 Main St, Ardmore 38449 |
| First Farmers and Merchants Bank | 1 | 302 S 2nd St, Pulaski 38478 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Giles County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Employee Resources | 1700 W College St, Pulaski 38478 |
Source: NCUA credit union branch data, June 30, 2026.
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Giles County?
Giles 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 Giles 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 Giles County?
Options include 13 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 Giles County?
Fill out our short online form from anywhere in Giles 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 an emergency loan in Giles County?
Yes. When an unexpected bill comes up, Giles 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 Giles County with bad credit?
Yes, many lenders in our network work with Giles 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 Giles 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. Giles County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Giles County?
Yes. You don't need to visit a branch or storefront anywhere in Giles 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.