Loans in Macon County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Macon County, TN.
The median household in Macon County earns $59,177 a year, 15% below the Tennessee median of $69,595. About 17% of residents live below the federal poverty line, and 26.4% of households rent their home. 13.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Macon County
Lenders that serve Macon 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 Macon County
What Macon County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Macon 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 Macon County
Banks with branches in Macon County
9 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wellworth Bank | 4 | 400 Highway 52 Byp W, Lafayette 37083 |
| Macon Bank and Trust Company | 4 | 609 Red Boiling Springs Rd, Lafayette 37083 |
| First Horizon Bank | 1 | 440 Highway 52 Byp W, Lafayette 37083 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Macon County. The nearest counties with credit unions:
Credit unions in Sumner County
10 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Ascend | 303 Sourth Parrish Pl, Hendersonville 37075 |
| Liberty | 580 Soaring Eagle Way, Hendersonville 37075 |
| Firefighters First | 190E Saundersville Rd, Hendersonville 37075 |
| Resound | 200 Indian Lake Blvd, Hendersonville 37075 |
| Old Hickory | 543 E Main St, Hendersonville 37075 |
| Ten | 716 Nashville Pike, Gallatin 37066 |
| Enbright | 270 Indian Lake Blvd, Hendersonville 37075 |
| Gallatin Steam Plant | 1499 Steam Plant Rd, Gallatin 37066 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Wilson County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Ascend | 300 Pleasant Grove Rd, Mount Juliet 37122 |
| Us Community | 2700 N Mount Juliet Rd, Mount Juliet 37122 |
| Old Hickory | 1401 W Main St, Lebanon 37087 |
Source: NCUA credit union branch data, June 30, 2026.
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Macon County?
Macon 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 Macon 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 Macon County?
Options include 9 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 Macon County?
Fill out our short online form from anywhere in Macon 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 Macon County?
Yes. When an unexpected bill comes up, Macon 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 Macon County with bad credit?
Yes, many lenders in our network work with Macon 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 apply for a loan online in Macon County?
Yes. You don't need to visit a branch or storefront anywhere in Macon 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 Macon County, TN?
You can apply at banks, credit unions and lenders in Macon 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.