Loans in Rhea County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Rhea County, TN.
The median household in Rhea County earns $55,033 a year, 21% below the Tennessee median of $69,595. About 16% of residents live below the federal poverty line, and 28.5% of households rent their home.
What you need for a payday loan in Rhea County
Lenders that serve Rhea 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 Rhea County
What Rhea County borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
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 Rhea 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 Rhea County
Banks with branches in Rhea County
8 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Financial Bank, National Association | 3 | 420 3rd Ave, Dayton 37321 |
| SouthEast Bank | 2 | 285 Front St, Spring City 37381 |
| FirstBank | 1 | 1525 Market St, Dayton 37321 |
| Regions Bank | 1 | 1502 Market St, Dayton 37321 |
| First Farmers & Commercial Bank | 1 | 111 3rd Ave, Dayton 37321 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Rhea County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Tennessee Valley | 3475 Rhea County Hwy, Dayton 37321 |
Source: NCUA credit union branch data, June 30, 2026.
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Rhea County?
Rhea 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 Rhea 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 Rhea County?
Options include 8 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 Rhea County?
Fill out our short online form from anywhere in Rhea 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 Rhea County?
Yes. When an unexpected bill comes up, Rhea 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 apply for a loan online in Rhea County?
Yes. You don't need to visit a branch or storefront anywhere in Rhea 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 a loan in Rhea County with bad credit?
Yes, many lenders in our network work with Rhea 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.
Where can I get a loan in Rhea County, TN?
You can apply at banks, credit unions and lenders in Rhea 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.