Loans in Sullivan County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Sullivan County, TN.
The median household in Sullivan County earns $58,807 a year, 16% below the Tennessee median of $69,595. About 15% of residents live below the federal poverty line, and 27.9% of households rent their home.
What you need for a payday loan in Sullivan County
Lenders that serve Sullivan 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 Sullivan County
What Sullivan County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Sullivan 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 Sullivan County
Banks with branches in Sullivan County
37 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of Tennessee | 7 | 301 E Center St, Kingsport 37660 |
| First Horizon Bank | 5 | 235 E Center St, Kingsport 37660 |
| Citizens Bank | 5 | 2240 E Stone Dr, Kingsport 37660 |
| Regions Bank | 4 | 461 W Center St, Kingsport 37660 |
| The First Bank and Trust Company | 4 | 237 Pinnacle Pkwy, Bristol 37620 |
| Truist Bank | 3 | 3416 Highway 126, Blountville 37617 |
| Commercial Bank | 3 | 1072 E Stone Dr, Kingsport 37660 |
| TruPoint Bank | 1 | 444 E Center St, Kingsport 37660 |
| HomeTrust Bank | 1 | 422 Broad St, Kingsport 37660 |
| FSNB, National Association | 1 | 2500 W Stone Dr, Kingsport 37660 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Sullivan County
20 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Appalachian Community | 1500 E Stone Dr, Kingsport 37660 |
| Eastman | 2021 Meadowview Ln, Kingsport 37660 |
| Knoxville Tva Employees | 2518 E Stone Dr, Kingsport 37660 |
| United Southeast | 1545 Bluff City Hwy, Bristol 37620 |
| Kingsport Press Cu | 528 W Center St, Kingsport 37660 |
| Select Seven | 2559 E Stone Dr, Kingsport 37660 |
| Horizon | 1201 N Eastman Rd, Kingsport 37664 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Sullivan County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Sullivan County?
Sullivan 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 Sullivan 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 Sullivan County?
Options include 37 bank and 20 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 Sullivan County?
Fill out our short online form from anywhere in Sullivan 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.
Where can I get a loan in Sullivan County, TN?
You can apply at banks, credit unions and lenders in Sullivan 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 an emergency loan in Sullivan County?
Yes. When an unexpected bill comes up, Sullivan 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 Sullivan County with bad credit?
Yes, many lenders in our network work with Sullivan 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 Sullivan County?
Yes. You don't need to visit a branch or storefront anywhere in Sullivan 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.