Personal loans in Paris, TN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Paris, TN.
The median household in Paris earns $41,012 a year, 41% below the Tennessee median of $69,595. About 26% of residents live below the federal poverty line, and 43.2% of households rent their home. 13.8% of households have no home internet; our form works on any phone.
Tennessee law that applies in Paris
| 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 Paris
Lenders that serve Paris 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 Paris
What Paris borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Paris
- 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 Paris
12 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Security Bank and Trust Company | 4 | 210 W Washington St, Paris 38242 |
| Commercial Bank & Trust Co. | 3 | 101 N Poplar St, Paris 38242 |
| FirstBank | 2 | 101 W Wood St, Paris 38242 |
| Regions Bank | 1 | 914 E Wood St, Paris 38242 |
| Foundation Bank | 1 | 1137 E Wood St, Paris 38242 |
| Carroll Bank and Trust | 1 | 902 Mineral Wells Ave, Paris 38242 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Paris
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Holley | 1107 Mineral Wells Ave, Paris 38242 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Henry County · Payday Loans in Paris · Title Loans in Paris
Frequently asked questions
Can I get a personal loan with bad credit in Paris?
Possibly. Lenders in our network consider applicants with fair and bad credit across Tennessee, including Paris. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Paris, 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 Paris?
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 do installment loans work in Paris?
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. Paris 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.
Can I get an emergency loan with bad credit in Paris?
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. Paris residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Paris?
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.
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 Paris with our free 3-minute form.
Do I need to visit a store in Paris?
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.