Loans in Obion County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Obion County, TN.
The median household in Obion County earns $54,613 a year, 22% below the Tennessee median of $69,595. About 19% of residents live below the federal poverty line, and 31.9% of households rent their home. 14.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Obion County
Lenders that serve Obion 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 Obion County
What Obion County borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Obion 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 Obion County
Banks with branches in Obion County
14 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Simmons Bank | 3 | 115 W Washington Ave, Union City 38261 |
| The Park National Bank | 2 | 531 E Bright St, Troy 38260 |
| Commercial Bank & Trust Co. | 2 | 127 S 1st St, Union City 38261 |
| Bank3 | 2 | 114 S Thompson Street, Woodland Mills 38271 |
| Security Bank and Trust Company | 1 | 1491 S 1st St, Union City 38261 |
| Regions Bank | 1 | 1702 W Reelfoot Ave, Union City 38261 |
| Foundation Bank | 1 | 224 S Seventh St, Obion 38240 |
| The Citizens Bank | 1 | 1304 W Reelfoot Ave, Union City 38261 |
| First Community Bank of the Heartland, Inc. | 1 | 605 Broadway St, South Fulton 38257 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Obion County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Leaders Credit Union | 1500 S 1St St, Union City 38261 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Obion County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Obion County?
Obion 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 Obion 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 Obion County?
Options include 14 bank and 1 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 Obion County?
Fill out our short online form from anywhere in Obion 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 Obion County?
Yes. You don't need to visit a branch or storefront anywhere in Obion 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.
Can I get an emergency loan in Obion County?
Yes. When an unexpected bill comes up, Obion 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 Obion County with bad credit?
Yes, many lenders in our network work with Obion 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 a loan in Obion 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. Obion County residents can start any time, and it takes about 3 minutes.