Personal loans in Murfreesboro, TN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Murfreesboro, TN.
The median household in Murfreesboro earns $80,108 a year, 15% above the Tennessee median of $69,595. About 9% of residents live below the federal poverty line, and 47.6% of households rent their home.
Tennessee law that applies in Murfreesboro
| 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 Murfreesboro
Lenders that serve Murfreesboro typically ask for the following:
- 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 Murfreesboro
What Murfreesboro borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Murfreesboro
- 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 Murfreesboro
64 FDIC-insured bank branches from 26 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| FirstBank | 7 | 615 Memorial Blvd, Murfreesboro 37129 |
| Pinnacle Bank | 7 | 1645 Nw Broad St, Murfreesboro 37129 |
| Fifth Third Bank, National Association | 6 | 2437 Old Fort Pkwy, Murfreesboro 37128 |
| Regions Bank | 5 | 805 Memorial Blvd, Murfreesboro 37129 |
| First Horizon Bank | 5 | 305 W Northfield Blvd, Murfreesboro 37129 |
| Wilson Bank and Trust | 4 | 710 Nw Broad St, Murfreesboro 37129 |
| Truist Bank | 3 | 2020 Old Fort Pkwy, Murfreesboro 37129 |
| JPMorgan Chase Bank, National Association | 3 | 2397 Memorial Blvd, Murfreesboro 37129 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Murfreesboro
18 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Redstone | 1749 S Rutherford Blvd, Murfreesboro 37130 |
| Ascend | 1250 W Clark Blvd, Murfreesboro 37129 |
| Liberty | 2206 Medical Center Pkwy, Murfreesboro 37129 |
| City & County | 2532 General Mills Way, Murfreesboro 37127 |
| Resound | 130 W Northfield Blvd, Murfreesboro 37129 |
| Heritage South Community Cu | 1115 Dr Martin Luther King Blvd, Murfreesboro 37130 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Rutherford County · Payday Loans in Murfreesboro · Title Loans in Murfreesboro
Frequently asked questions
Can I get a personal loan with bad credit in Murfreesboro?
Possibly. Lenders in our network consider applicants with fair and bad credit across Tennessee, including Murfreesboro. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Murfreesboro, 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 Murfreesboro?
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.
Can I get an emergency loan with bad credit in Murfreesboro?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Murfreesboro residents can see if they qualify in about 3 minutes.
How can I get an emergency loan in Murfreesboro?
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.
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 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 Murfreesboro with our free 3-minute form.
Can I get a personal loan in Murfreesboro with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Murfreesboro residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Murfreesboro?
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.