Personal loans in Brentwood, TN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Brentwood, TN.
The median household in Brentwood earns $182,088 a year, 162% above the Tennessee median of $69,595. About 4% of residents live below the federal poverty line, and 9.6% of households rent their home.
Tennessee law that applies in Brentwood
| Rate cap | Industrial loan and thrift registrants: a maximum effective rate of 36% a year on loans of $100 or more (2025 Pub. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Flex loan plans: outstanding principal of no more than $4,000. |
Full rules with statute citations: Personal Loans in Tennessee. Cities in Tennessee cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Brentwood
Here's what to have on hand before you start your personal loan request in Brentwood:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Brentwood
What Brentwood borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Brentwood
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Brentwood
40 FDIC-insured bank branches from 27 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 4 | 329 Franklin Rd, Brentwood 37027 |
| Fifth Third Bank, National Association | 4 | 5000 Maryland Way, Brentwood 37027 |
| Bank of America, National Association | 3 | 133 Franklin Rd, Brentwood 37027 |
| Pinnacle Bank | 3 | 5105 Maryland Way, Brentwood 37027 |
| First Horizon Bank | 2 | 202 Franklin Rd, Brentwood 37027 |
| Truist Bank | 2 | 5030 Thoroughbred Ln, Brentwood 37027 |
| Wells Fargo Bank, National Association | 2 | 5415 Maryland Way, Brentwood 37027 |
| Sonata Bank | 1 | 5005 Maryland Way, Brentwood 37027 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Brentwood
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Ascend | 782 Old Hickory Blvd, Brentwood 37027 |
| Southeast Financial | 5110 Maryland Way Ste 100, Brentwood 37027 |
| Koin | 215 Centerview Dr Ste 3-111, Brentwood 37027 |
| P.I.A.S. | 5200 Maryland Way Ste 301, Brentwood 37027 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Williamson County · Payday Loans in Brentwood · Title Loans in Brentwood
Frequently asked questions
Can I get a personal loan with bad credit in Brentwood?
Possibly. Lenders in our network consider applicants with fair and bad credit across Tennessee, including Brentwood. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Brentwood, TN?
36% effective rate for industrial loan and thrift loans of $100+ (since July 2025); flex loans 24% plus fee.
How fast can I get a personal loan in Brentwood?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How can I get an emergency loan in Brentwood?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Brentwood with our free 3-minute form.
Where can I find a loan for bad credit in Brentwood?
You can apply at local banks and lenders in Brentwood, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How do installment loans work in Brentwood?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Brentwood residents can see installment loan offers with our free 3-minute form.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Brentwood?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.