Loans in Scott County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Scott County, TN.
The median household in Scott County earns $44,711 a year, 36% below the Tennessee median of $69,595. About 23% of residents live below the federal poverty line, and 28.4% of households rent their home. 11.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Scott County
Most Scott County applicants can finish in one sitting if they have these ready:
- 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 Scott County
What Scott County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Scott 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 Scott County
Banks with branches in Scott County
6 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First National Bank of Oneida | 3 | 19260 Alberta St, Oneida 37841 |
| United Cumberland Bank | 2 | 106 Municipal Dr, Oneida 37841 |
| One Bank of Tennessee | 1 | 15730 Scott Hwy, Oneida 37841 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Scott County. The nearest counties with credit unions:
Credit unions in Campbell County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Ornl | 2229 Jacksboro Pike, La Follette 37766 |
| Y-12 | 2550 Jacksboro Pike, Jacksboro 37757 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Fentress County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Upper Cumberland | 6829 S York Hwy, Clarkrange 38553 |
Source: NCUA credit union branch data, June 30, 2026.
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Scott County?
Scott 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 Scott 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 Scott County?
Options include 6 bank 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 Scott County?
Fill out our short online form from anywhere in Scott 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 Scott County?
Yes. You don't need to visit a branch or storefront anywhere in Scott 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 Scott County with bad credit?
Yes, many lenders in our network work with Scott 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 Scott County, TN?
You can apply at banks, credit unions and lenders in Scott 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 Scott 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. Scott County residents can start any time, and it takes about 3 minutes.