Loans in Washington County, TN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Washington County, TN.
The median household in Washington County earns $62,809 a year, 10% below the Tennessee median of $69,595. About 16% of residents live below the federal poverty line, and 35.5% of households rent their home.
What you need for a payday loan in Washington County
Lenders that serve Washington 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 Washington County
What Washington County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Washington 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 Washington County
Banks with branches in Washington County
36 FDIC-insured bank branches from 18 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of Tennessee | 5 | 112 E Mountcastle Dr, Johnson City 37601 |
| First Horizon Bank | 4 | 401 W Jackson Blvd, Jonesborough 37659 |
| Regions Bank | 3 | 208 Sunset Dr, Johnson City 37604 |
| Centennial Bank | 3 | 3122 Bristol Hwy, Johnson City 37601 |
| Truist Bank | 2 | 207 Mockingbird Ln, Johnson City 37604 |
| The First Bank and Trust Company | 2 | 1185 N State Of Franklin Rd, Johnson City 37604 |
| First Community Bank | 2 | 300 Sunset Dr, Johnson City 37604 |
| Elizabethton Federal Savings Bank | 2 | 304 Sunset Dr, Johnson City 37604 |
| Andrew Johnson Bank | 2 | 1551 E Jackson Blvd, Jonesborough 37659 |
| HomeTrust Bank | 2 | 862 Med Tech Pkwy, Johnson City 37604 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washington County
19 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Appalachian Community | 3101 Peoples St, Johnson City 37604 |
| Eastman | 113 Broyles Dr, Johnson City 37601 |
| Knoxville Tva Employees | 2004 N Roan St, Johnson City 37601 |
| Consumer | 1919 N Roan St, Johnson City 37601 |
| United Southeast | 4718 N Roan St, Johnson City 37615 |
| Ten | 310 Sunset Dr, Johnson City 37604 |
| Northeast Community | 313 W Oakland Ave, Johnson City 37604 |
| Select Seven | 716 W Market St, Johnson City 37604 |
| Greater Experience | 2110 W Mountcastle Dr, Johnson City 37604 |
| Beacon Financial | 400 N State Of Franklin Rd, Johnson City 37604 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Washington County
All Tennessee counties and cities
Frequently asked questions
Are payday loans legal in Washington County?
Washington 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 Washington 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 Washington County?
Options include 36 bank and 19 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 Washington County?
Fill out our short online form from anywhere in Washington 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 a loan in Washington 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. Washington County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Washington County with bad credit?
Yes, many lenders in our network work with Washington 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 Washington County, TN?
You can apply at banks, credit unions and lenders in Washington 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 Washington County?
Yes. When an unexpected bill comes up, Washington 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.