Loans in Roane County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Roane County, TN.
The median household in Roane County earns $71,885 a year, about the same as the Tennessee median of $69,595. About 12% of residents live below the federal poverty line, and 21.9% of households rent their home.
What you need for a payday loan in Roane County
Here's what to have on hand before you start your payday loan request in Roane 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 Roane County
What Roane County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Roane 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 Roane County
Banks with branches in Roane County
9 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 2 | 240 W Rockwood St, Rockwood 37854 |
| First Financial Bank, National Association | 2 | 996 N Gateway Ave, Rockwood 37854 |
| One Bank of Tennessee | 2 | 603 N Kentucky St, Kingston 37763 |
| U.S. Bank National Association | 1 | 134 N Gateway Ave, Rockwood 37854 |
| Simmons Bank | 1 | 202 N Kentucky St, Kingston 37763 |
| United Community Bank | 1 | 223 N 3rd St, Kingston 37763 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Roane County
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Ornl | 1204 N Kentucky St, Kingston 37763 |
| Y-12 | 1715 Roane State Hwy, Harriman 37748 |
| Knoxville Tva Employees | 1916 Roane State Hwy, Harriman 37748 |
| Enrichment | 1009 Bradford Way, Kingston 37763 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Roane County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Roane County?
Roane 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 Roane 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 Roane County?
Options include 9 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 Roane County?
Fill out our short online form from anywhere in Roane 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 Roane County?
Yes. You don't need to visit a branch or storefront anywhere in Roane 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 Roane County, TN?
You can apply at banks, credit unions and lenders in Roane 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 Roane 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. Roane County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Roane County?
Yes. When an unexpected bill comes up, Roane 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.