Loans in Lawrence County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lawrence County, TN.
The median household in Lawrence County earns $54,706 a year, 21% below the Tennessee median of $69,595. About 15% of residents live below the federal poverty line, and 22.4% of households rent their home. 14.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lawrence County
Lenders that serve Lawrence 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 Lawrence County
What Lawrence County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Lawrence 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 Lawrence County
Banks with branches in Lawrence County
15 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Farmers and Merchants Bank | 3 | 201 S Military St, Loretto 38469 |
| Builtwell Bank | 2 | 106 Highway 20, Summertown 38483 |
| Heritage Bank & Trust | 2 | 106 Weakley Creek Rd, Lawrenceburg 38464 |
| Wayne County Bank | 2 | 2144 N Locust Ave, Lawrenceburg 38464 |
| Lawrenceburg Federal Bank | 1 | 118 W Gaines St, Lawrenceburg 38464 |
| Truist Bank | 1 | 2021 N Locust Ave, Lawrenceburg 38464 |
| Old National Bank | 1 | 2102 N Locust Ave, Lawrenceburg 38464 |
| Bank of Frankewing | 1 | 1200 N Locust Ave, Lawrenceburg 38464 |
| First Horizon Bank | 1 | 101 N Locust Ave, Lawrenceburg 38464 |
| Peoples Bank | 1 | 4963 Highway 43, Mount Pleasant 38474 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lawrence County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Employee Resources | 1604 Remke Ave, Lawrenceburg 38464 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lawrence County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Lawrence County?
Lawrence 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 Lawrence 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 Lawrence County?
Options include 15 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 Lawrence County?
Fill out our short online form from anywhere in Lawrence 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 Lawrence County?
Yes. When an unexpected bill comes up, Lawrence 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 Lawrence County?
Yes. You don't need to visit a branch or storefront anywhere in Lawrence 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 Lawrence County, TN?
You can apply at banks, credit unions and lenders in Lawrence 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 a loan in Lawrence 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. Lawrence County residents can start any time, and it takes about 3 minutes.