Loans in Montgomery County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Montgomery County, TN.
The median household in Montgomery County earns $75,613 a year, 9% above the Tennessee median of $69,595. About 11% of residents live below the federal poverty line, and 38.1% of households rent their home.
What you need for a payday loan in Montgomery County
Here's what to have on hand before you start your payday loan request in Montgomery 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 Montgomery County
What Montgomery 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 Montgomery 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 Montgomery County
Banks with branches in Montgomery County
44 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Lawrence Bank | 9 | 50 Franklin St, Clarksville 37040 |
| Legends Bank | 5 | 310 N 1st St, Clarksville 37040 |
| First Federal Bank | 5 | 502 Madison St, Clarksville 37040 |
| Regions Bank | 4 | 128 N 2nd St, Clarksville 37040 |
| Planters Bank, Inc. | 4 | 325 Commerce St, Clarksville 37040 |
| U.S. Bank National Association | 4 | 1 Public Sq, Clarksville 37040 |
| United Community Bank | 3 | 1430 Madison St, Clarksville 37040 |
| Bank of America, National Association | 2 | 2502 Wilma Rudolph Blvd, Clarksville 37040 |
| First Financial Bank, National Association | 2 | 2185 Madison St, Clarksville 37043 |
| Traditions First Bank | 2 | 25 Jefferson St, Ste 100, Clarksville 37040 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Montgomery County
10 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 1488 Tiny Town Rd, Clarksville 37042 |
| Altra | 1600 Madison St, Clarksville 37043 |
| Fortera | 2050 Lowes Dr, Clarksville 37040 |
| Resound | 2100 Trenton Rd, Clarksville 37040 |
| Gateway | 100 Otis Smith Dr, Clarksville 37043 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Montgomery County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Montgomery County?
Montgomery 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 Montgomery 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 Montgomery County?
Options include 44 bank and 10 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 Montgomery County?
Fill out our short online form from anywhere in Montgomery 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 Montgomery County?
Yes. You don't need to visit a branch or storefront anywhere in Montgomery 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 Montgomery County, TN?
You can apply at banks, credit unions and lenders in Montgomery 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 Montgomery County?
Yes. When an unexpected bill comes up, Montgomery 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 Montgomery County with bad credit?
Yes, many lenders in our network work with Montgomery 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.