Loans in Johnson County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Johnson County, TN.
The median household in Johnson County earns $53,129 a year, 24% below the Tennessee median of $69,595. About 21% of residents live below the federal poverty line, and 22.5% of households rent their home. 15.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Johnson County
Here's what to have on hand before you start your payday loan request in Johnson 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 Johnson County
What Johnson County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Johnson 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 Johnson County
Banks with branches in Johnson County
5 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Farmers State Bank | 3 | 100 W Main St, Mountain City 37683 |
| SKYLINE NATIONAL BANK | 1 | 241 W Main St, Mountain City 37683 |
| Elizabethton Federal Savings Bank | 1 | 404 South Shadt Street, Mountain City 37683 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Johnson County. The nearest counties with credit unions:
Credit unions in Carter County
6 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Eastman | 1530 W Elk Ave, Elizabethton 37643 |
| Northeast Community | 980 Jason Witten Way, Elizabethton 37643 |
| Happy Valley | 210 E C St, Elizabethton 37643 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Sullivan County
20 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Appalachian Community | 1500 E Stone Dr, Kingsport 37660 |
| Eastman | 2021 Meadowview Ln, Kingsport 37660 |
| Knoxville Tva Employees | 2518 E Stone Dr, Kingsport 37660 |
| United Southeast | 1545 Bluff City Hwy, Bristol 37620 |
| Kingsport Press Cu | 528 W Center St, Kingsport 37660 |
| Select Seven | 2559 E Stone Dr, Kingsport 37660 |
| Horizon | 1201 N Eastman Rd, Kingsport 37664 |
Source: NCUA credit union branch data, June 30, 2026.
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Johnson County?
Johnson 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 Johnson 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 Johnson County?
Options include 5 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 Johnson County?
Fill out our short online form from anywhere in Johnson 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 Johnson County?
Yes. When an unexpected bill comes up, Johnson 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 Johnson County?
Yes. You don't need to visit a branch or storefront anywhere in Johnson 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 a loan in Johnson County with bad credit?
Yes, many lenders in our network work with Johnson 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 Johnson County, TN?
You can apply at banks, credit unions and lenders in Johnson 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.