Loans in Putnam County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Putnam County, TN.
The median household in Putnam County earns $58,912 a year, 15% below the Tennessee median of $69,595. About 18% of residents live below the federal poverty line, and 38.8% of households rent their home.
What you need for a payday loan in Putnam County
Here's what to have on hand before you start your payday loan request in Putnam 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 Putnam County
What Putnam County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Putnam 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 Putnam County
Banks with branches in Putnam County
31 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| One Bank of Tennessee | 6 | 140 S Jefferson Ave, Cookeville 38501 |
| Regions Bank | 3 | 10 W Broad St, Cookeville 38501 |
| Putnam 1st Mercantile Bank | 3 | 200 W Jackson St, Cookeville 38501 |
| First Horizon Bank | 2 | 345 S Jefferson Ave, Cookeville 38501 |
| Builtwell Bank | 2 | 210 E Commercial Ave, Monterey 38574 |
| First Freedom Bank | 2 | 376 W Jackson St, Cookeville 38501 |
| First National Bank of Tennessee | 2 | 412 S Jefferson Ave, Cookeville 38501 |
| SouthEast Bank | 2 | 744 S Willow Ave, Cookeville 38501 |
| Wellworth Bank | 2 | 1450 Neal St, Cookeville 38501 |
| Wilson Bank and Trust | 2 | 900 N Washington Ave, Cookeville 38501 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Putnam County
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Ascend | 1265 Interstate Dr Ste 107, Cookeville 38501 |
| Middle Tennessee | 1255 E Spring St, Cookeville 38501 |
| Ten | 1281 S Walnut Ave, Cookeville 38501 |
| Upper Cumberland | 1515 Interstate Dr, Cookeville 38501 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Putnam County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Putnam County?
Putnam 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 Putnam 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 Putnam County?
Options include 31 bank and 6 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 Putnam County?
Fill out our short online form from anywhere in Putnam 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 Putnam County?
Yes. When an unexpected bill comes up, Putnam 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.
Where can I get a loan in Putnam County, TN?
You can apply at banks, credit unions and lenders in Putnam 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 Putnam County with bad credit?
Yes, many lenders in our network work with Putnam 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 Putnam County?
Yes. You don't need to visit a branch or storefront anywhere in Putnam 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.