Loans in Sumner County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Sumner County, TN.
The median household in Sumner County earns $90,301 a year, 30% above the Tennessee median of $69,595. About 9% of residents live below the federal poverty line, and 28.0% of households rent their home.
What you need for a payday loan in Sumner County
Lenders that serve Sumner 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 Sumner County
What Sumner County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Sumner 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 Sumner County
Banks with branches in Sumner County
56 FDIC-insured bank branches from 23 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Lawrence Bank | 7 | 2920 Highway 31 W, White House 37188 |
| The Farmers Bank | 5 | 120 Village Dr, Portland 37148 |
| First Horizon Bank | 4 | 668 Nashville Pike, Gallatin 37066 |
| Regions Bank | 4 | 285 E Main St, Gallatin 37066 |
| U.S. Bank National Association | 3 | 600 W Main St, Gallatin 37066 |
| Fifth Third Bank, National Association | 3 | 380 E Main St, Hendersonville 37075 |
| Edmonton State Bank | 3 | 780 S Browns Ln, Gallatin 37066 |
| Pinnacle Bank | 3 | 270 E Main St, Hendersonville 37075 |
| Wilson Bank and Trust | 3 | 455 W Main St, Gallatin 37066 |
| Bank of America, National Association | 2 | 345 E Main St, Hendersonville 37075 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Sumner County
10 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Ascend | 303 Sourth Parrish Pl, Hendersonville 37075 |
| Liberty | 580 Soaring Eagle Way, Hendersonville 37075 |
| Firefighters First | 190E Saundersville Rd, Hendersonville 37075 |
| Resound | 200 Indian Lake Blvd, Hendersonville 37075 |
| Old Hickory | 543 E Main St, Hendersonville 37075 |
| Ten | 716 Nashville Pike, Gallatin 37066 |
| Enbright | 270 Indian Lake Blvd, Hendersonville 37075 |
| Gallatin Steam Plant | 1499 Steam Plant Rd, Gallatin 37066 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Sumner County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Sumner County?
Sumner 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 Sumner 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 Sumner County?
Options include 56 bank and 10 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 Sumner County?
Fill out our short online form from anywhere in Sumner 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 Sumner County?
Yes. When an unexpected bill comes up, Sumner 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 Sumner County with bad credit?
Yes, many lenders in our network work with Sumner 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 Sumner County?
Yes. You don't need to visit a branch or storefront anywhere in Sumner 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 Sumner County, TN?
You can apply at banks, credit unions and lenders in Sumner 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.