Loans in Jefferson County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jefferson County, TN.
The median household in Jefferson County earns $66,114 a year, 5% below the Tennessee median of $69,595. About 11% of residents live below the federal poverty line, and 24.2% of households rent their home. 11.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Jefferson County
Lenders that serve Jefferson County typically ask for the following:
- 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 Jefferson County
What Jefferson County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Jefferson 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 Jefferson County
Banks with branches in Jefferson County
12 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens National Bank | 3 | 720 Highway 92 S, Dandridge 37725 |
| First Peoples Bank of Tennessee | 2 | 206 W Broadway Blvd, Jefferson City 37760 |
| FirstBank | 2 | 167 W Broadway Blvd, Jefferson City 37760 |
| Regions Bank | 1 | 222 E Broadway Blvd, Jefferson City 37760 |
| First Horizon Bank | 1 | 1030 Highway 92 S, Dandridge 37725 |
| Truist Bank | 1 | 858 Highway 92 S, Dandridge 37725 |
| U.S. Bank National Association | 1 | 149 E Broadway Blvd, Jefferson City 37760 |
| Tennessee State Bank | 1 | 106 W Broadway Blvd, Jefferson City 37760 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Jefferson County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Knoxville Tva Employees | 662 E Broadway Blvd, Jefferson City 37760 |
| Consumer | 1075 N Chucky Pike, Jefferson City 37760 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Jefferson County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Jefferson County?
Jefferson 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 Jefferson 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 Jefferson County?
Options include 12 bank and 2 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 Jefferson County?
Fill out our short online form from anywhere in Jefferson 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 Jefferson 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. Jefferson County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Jefferson County with bad credit?
Yes, many lenders in our network work with Jefferson 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 an emergency loan in Jefferson County?
Yes. When an unexpected bill comes up, Jefferson 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 apply for a loan online in Jefferson County?
Yes. You don't need to visit a branch or storefront anywhere in Jefferson 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.