Personal loans in Crossville, TN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Crossville, TN.
The median household in Crossville earns $48,802 a year, 30% below the Tennessee median of $69,595. About 23% of residents live below the federal poverty line, and 48.8% of households rent their home.
Tennessee law that applies in Crossville
| 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 Crossville
Here's what to have on hand before you start your personal loan request in Crossville:
- 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 Crossville
What Crossville borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Crossville
- 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 Crossville
16 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| One Bank of Tennessee | 4 | 225 West Ave, Crossville 38555 |
| Regions Bank | 3 | 175 Miller Ave, Crossville 38555 |
| Highland Federal Savings and Loan Association | 2 | 106 S Main St, Crossville 38555 |
| First National Bank of Tennessee | 2 | 1386 N Main St, Crossville 38555 |
| FirstBank | 1 | 139 Elmore Rd, Crossville 38555 |
| U.S. Bank National Association | 1 | 1318 N Main St, Crossville 38555 |
| SmartBank | 1 | 807 N Main St, Crossville 38555 |
| First Farmers & Commercial Bank | 1 | 1251 N Main St, Crossville 38555 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Crossville
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Upper Cumberland | 627 Livingston Rd, Crossville 38555 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Cumberland County · Payday Loans in Crossville · Title Loans in Crossville
Frequently asked questions
Can I get a personal loan with bad credit in Crossville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Tennessee, including Crossville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Crossville, 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 Crossville?
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.
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 Crossville with our free 3-minute form.
How do I apply for a personal loan with bad credit in Crossville?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Crossville residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in Crossville?
You can apply at local banks and lenders in Crossville, 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 long does it take to get a personal loan in Crossville?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Crossville.
Do I need to visit a store in Crossville?
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.