Personal loans in Nashville, TN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Nashville, TN.
The median household in Nashville earns $77,371 a year, 11% above the Tennessee median of $69,595. About 14% of residents live below the federal poverty line, and 47.6% of households rent their home.
Tennessee law that applies in Nashville
| 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 Nashville
Here's what to have on hand before you start your personal loan request in Nashville:
- 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 Nashville
What Nashville borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Nashville
- 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 Nashville
174 FDIC-insured bank branches from 38 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 25 | 4410 Ridgefield Way, Nashville 37205 |
| Bank of America, National Association | 16 | 3219 Clarksville Pike, Nashville 37218 |
| Truist Bank | 15 | 401 Commerce St, Nashville 37219 |
| Fifth Third Bank, National Association | 15 | 2216 Abbott Martin Rd, Nashville 37215 |
| First Horizon Bank | 12 | 511 Union St, Nashville 37219 |
| Pinnacle Bank | 12 | 21 Platform Way S, Nashville 37203 |
| JPMorgan Chase Bank, National Association | 12 | 2645 8th Ave S, Nashville 37204 |
| Wells Fargo Bank, National Association | 8 | 230 4th Ave N, Nashville 37219 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Nashville
31 credit-union locations from 21 credit unions.
| Credit union | Location |
|---|---|
| Ascend | 2600 Elm Hill Pike, Nashville 37214 |
| Fortera | 2004 Hayes St Ste 120, Nashville 37203 |
| First South Financial | 1211 51St Ave N, Nashville 37209 |
| Southeast Financial | 1314 Vultee Blvd, Nashville 37217 |
| Resound | 1701 21St Ave S, Nashville 37212 |
| Us Community | 89 Hermitage Ave, Nashville 37210 |
| Old Hickory | 410 Donelson Pike, Nashville 37214 |
| Ten | 1400 8Th Ave S, Nashville 37203 |
| Enbright | 1214 Church St Ste 100, Nashville 37246 |
| Vanderbilt | Suite 100, Nashville 37232 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Davidson County · Payday Loans in Nashville · Title Loans in Nashville
Frequently asked questions
Can I get a personal loan with bad credit in Nashville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Tennessee, including Nashville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Nashville, 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 Nashville?
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.
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. Nashville residents can see their options in about 3 minutes.
How do installment loans work in Nashville?
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. Nashville residents can see installment loan offers with our free 3-minute form.
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 Nashville with our free 3-minute form.
How do I apply for a personal loan with bad credit in Nashville?
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.
How can I get an emergency loan in Nashville?
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.
Do I need to visit a store in Nashville?
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.