Loans in Smith County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Smith County, TN.
The median household in Smith County earns $66,293 a year, about the same as the Tennessee median of $69,595. About 10% of residents live below the federal poverty line, and 23.1% of households rent their home.
What you need for a payday loan in Smith County
Most Smith 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 Smith County
What Smith County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Smith 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 Smith County
Banks with branches in Smith County
9 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Bank | 4 | 407 Main St N, Carthage 37030 |
| Wellworth Bank | 2 | 50 Main St N, Carthage 37030 |
| Wilson Bank and Trust | 2 | 1300 Main St N, Carthage 37030 |
| BankTennessee | 1 | 936 Upper Ferry Rd, Carthage 37030 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Smith County. The nearest counties with credit unions:
Credit unions in Wilson County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Ascend | 300 Pleasant Grove Rd, Mount Juliet 37122 |
| Us Community | 2700 N Mount Juliet Rd, Mount Juliet 37122 |
| Old Hickory | 1401 W Main St, Lebanon 37087 |
Source: NCUA credit union branch data, June 30, 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.
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Smith County?
Smith 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 Smith 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 Smith County?
Options include 9 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 Smith County?
Fill out our short online form from anywhere in Smith 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 Smith County?
Yes. When an unexpected bill comes up, Smith 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 Smith County with bad credit?
Yes, many lenders in our network work with Smith 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 Smith County, TN?
You can apply at banks, credit unions and lenders in Smith 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 apply for a loan online in Smith County?
Yes. You don't need to visit a branch or storefront anywhere in Smith 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.