Loans in Madison County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, TN.
The median household in Madison County earns $60,042 a year, 14% below the Tennessee median of $69,595. About 18% of residents live below the federal poverty line, and 38.0% of households rent their home.
What you need for a payday loan in Madison County
Here's what to have on hand before you start your payday loan request in Madison 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 Madison County
What Madison County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Madison 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 Madison County
Banks with branches in Madison County
38 FDIC-insured bank branches from 18 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 6 | 423 N Parkway, Jackson 38305 |
| The Huntington National Bank | 5 | 301 E Main St, Jackson 38301 |
| Centennial Bank | 4 | 558 Carriage House Dr, Jackson 38305 |
| Simmons Bank | 3 | 1862 Highway 45 Byp, Jackson 38305 |
| FirstBank | 3 | 11 Channing Way, Jackson 38305 |
| Commercial Bank & Trust Co. | 3 | 3093 N Highland Ave, Jackson 38305 |
| First Horizon Bank | 2 | 2076 N Highland Ave, Jackson 38305 |
| Foundation Bank | 2 | 384 Carriage House Dr, Jackson 38305 |
| Community Bank | 1 | 3200 N Highland Ave, Jackson 38305 |
| FSNB, National Association | 1 | 2196 Emporium Dr, Jackson 38305 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Madison County
13 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Resource | 525 Old Hickory Blvd, Jackson 38305 |
| Leaders Credit Union | 214 Oil Well Rd, Jackson 38305 |
| First South Financial | 10 Channing Way, Jackson 38305 |
| Southeast Financial | 104 W University Pkwy Ste B, Jackson 38305 |
| Patriot Equity | 1450 Union University Dr, Jackson 38305 |
| Tennessee River | 1450 Union University Dr, Jackson 38305 |
| Enlighten | 1306 Highway 70 Byp, Jackson 38301 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Madison County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Madison County?
Madison 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 Madison 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 Madison County?
Options include 38 bank and 13 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 Madison County?
Fill out our short online form from anywhere in Madison 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.
Where can I get a loan in Madison County, TN?
You can apply at banks, credit unions and lenders in Madison 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 Madison County with bad credit?
Yes, many lenders in our network work with Madison 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 Madison County?
Yes. When an unexpected bill comes up, Madison 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 Madison 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. Madison County residents can start any time, and it takes about 3 minutes.