Loans in Union County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, TN.
The median household in Union County earns $62,727 a year, 10% below the Tennessee median of $69,595. About 14% of residents live below the federal poverty line, and 19.8% of households rent their home. 13.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Union County
Lenders that serve Union 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 Union County
What Union County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Union 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 Union County
Banks with branches in Union County
4 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Commercial Bank | 2 | 111 Tazewell Pike, Luttrell 37779 |
| FirstBank | 1 | 2905 Maynardville Hwy, Maynardville 37807 |
| First Century Bank | 1 | 2969 Maynardville Hwy, Maynardville 37807 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Union County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Ornl | 4344 Maynardville Hwy, Maynardville 37807 |
| New South Credit Union | 4587 Maynardville Hwy, Maynardville 37807 |
Source: NCUA credit union branch data, June 30, 2026.
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union 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 Union 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 Union County?
Options include 4 bank and 2 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 Union County?
Fill out our short online form from anywhere in Union 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 Union County, TN?
You can apply at banks, credit unions and lenders in Union 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 Union County?
Yes. When an unexpected bill comes up, Union 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 Union County with bad credit?
Yes, many lenders in our network work with Union 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 Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union 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.