Loans in Knox County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Knox County, TN.
The median household in Knox County earns $74,222 a year, 7% above the Tennessee median of $69,595. About 12% of residents live below the federal poverty line, and 34.8% of households rent their home.
What you need for a payday loan in Knox County
Lenders that serve Knox 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 Knox County
What Knox County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Knox 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 Knox County
Banks with branches in Knox County
137 FDIC-insured bank branches from 32 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Horizon Bank | 20 | 800 S Gay St, Knoxville 37929 |
| Home Federal Bank of Tennessee | 17 | 515 Market St, Knoxville 37902 |
| Regions Bank | 17 | 5005 Washington Pike, Knoxville 37917 |
| Truist Bank | 11 | 900 S Gay St # S, Knoxville 37902 |
| U.S. Bank National Association | 6 | 607 Market St, Knoxville 37902 |
| SouthEast Bank | 5 | 12700 Kingston Pike, Farragut 37934 |
| Pinnacle Bank | 5 | 1111 N Northshore Dr, Knoxville 37919 |
| FirstBank | 4 | 520 W Summit Hill Dr Ste B101, Knoxville 37902 |
| First Century Bank | 4 | 600 E Emory Rd, Powell 37849 |
| Commercial Bank | 4 | 7400 Maynardville Pike, Knoxville 37938 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Knox County
68 credit-union locations from 18 credit unions.
| Credit union | Location |
|---|---|
| Ornl | 808 Victor Dr, Knoxville 37912 |
| Y-12 | 6640 Clinton Hwy, Knoxville 37912 |
| U. T. | 2100 White Ave, Knoxville 37916 |
| Tennessee Members 1St | 112 Market Place Blvd, Knoxville 37922 |
| Knoxville Tva Employees | 1316 Wilson Rd, Knoxville 37912 |
| Southeast Financial | 7216 Wellington Dr Ste 4, Knoxville 37919 |
| Enrichment | 5201 Schubert Rd, Knoxville 37912 |
| Consumer | 307 Lovell Rd, Knoxville 37934 |
| City Employees | 1720 Western Ave, Knoxville 37921 |
| New South Credit Union | 3261 N Mall Rd, Knoxville 37924 |
| Knoxville Teachers | 711 N Hall Of Fame Dr, Knoxville 37917 |
| Tnconnect | 6211 Middlebrook Pike, Knoxville 37909 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Knox County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Knox County?
Knox 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 Knox 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 Knox County?
Options include 137 bank and 68 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 Knox County?
Fill out our short online form from anywhere in Knox 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 Knox County?
Yes. You don't need to visit a branch or storefront anywhere in Knox 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.
Where can I get a loan in Knox County, TN?
You can apply at banks, credit unions and lenders in Knox 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 Knox County?
Yes. When an unexpected bill comes up, Knox 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 Knox County with bad credit?
Yes, many lenders in our network work with Knox 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.