Personal loans in Dyersburg, TN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dyersburg, TN.
The median household in Dyersburg earns $52,064 a year, 25% below the Tennessee median of $69,595. About 22% of residents live below the federal poverty line, and 51.8% of households rent their home.
Tennessee law that applies in Dyersburg
| 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 Dyersburg
Most Dyersburg applicants can finish in one sitting if they have these ready:
- 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 Dyersburg
What Dyersburg borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Dyersburg
- 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 Dyersburg
11 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Park National Bank | 3 | 200 W Court St, Dyersburg 38024 |
| Security Bank | 3 | 120 N Mill Ave, Dyersburg 38024 |
| Simmons Bank | 2 | 2310 Parr Ave, Dyersburg 38024 |
| First Community Bank of the Heartland, Inc. | 2 | 602 Highway 51 By-Pass, Dyersburg 38024 |
| Regions Bank | 1 | 580 Us Highway 51 Byp E, Dyersburg 38024 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dyersburg
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Leaders Credit Union | 382 Us Highway 51 Byp W Ste 2, Dyersburg 38024 |
| First South Financial | 230 Community Park Rd, Dyersburg 38024 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Dyer County · Payday Loans in Dyersburg · Title Loans in Dyersburg
Frequently asked questions
Can I get a personal loan with bad credit in Dyersburg?
Possibly. Lenders in our network consider applicants with fair and bad credit across Tennessee, including Dyersburg. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Dyersburg, 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 Dyersburg?
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.
Where can I find a loan for bad credit in Dyersburg?
You can apply at local banks and lenders in Dyersburg, 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.
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.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Dyersburg borrowers who qualify.
How can I get an emergency loan in Dyersburg?
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.
How do I apply for a personal loan with bad credit in Dyersburg?
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.
Do I need to visit a store in Dyersburg?
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.