CDFI personal loans in Tennessee

Counted from each lender's own website: a lender is listed when it describes personal loans on a page we read and is headquartered in Tennessee or names Tennessee, or a county or town in it, as its service area. 11 other verified lenders that serve Tennessee did not mention personal loans on the pages we read, and 13 lenders headquartered here have no verified data yet. Not mentioned does not mean not offered. A listing is not an offer: ask the lender.

What these 19 lenders say

Lender websites, 29 Oct 2026–4 Nov 2026

Lender types	2 loan funds, 8 credit unions, 8 banks or thrifts, 1 bank holding company
Largest amount stated	3 lenders state a maximum: median $20,000, range $3,000 to $40,000
Smallest amount stated	2 lenders state a minimum: median $750, lowest $500
Borrower focus stated	Veterans (2), First-time homebuyers (1), Low- and moderate-income / underserved (1), Rural (1), Farmers / ranchers (1)
Online application link found	14 of 19
Service area stated on their site	7 of 19

See also all 41 CDFIs headquartered in Tennessee, the guide CDFI loans with bad credit.

Headquartered in Tennessee (19)

• BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansWe provide affordable installment loansVerified
• Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Personal LoansVerified
• Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Cover a variety of personal needsVerified
• Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansPersonal Loan ApplicationVerified
• Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansCopper Basin Federal Credit Union offers signature loans that provide a fast and easy way to get cash when you really need it.Verified
• Decatur County BankBank or thrift · Decaturville, TNAuto / vehicle loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…We offer flexible repayment terms and great rates with personal service that is second to none.Verified
• Fortera Credit UnionCredit union · Clarksville, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansup to $40,000You can borrow up to $40,000.Verified
• Homeworks Community Lending LLCLoan fund · Johnson City, TNSmall-dollar / emergency loans, Home repair / improvement loans, Home mortgages, Personal / consumer loansPersonal ApplyVerified
• METROPOLITAN TEACHERS' CREDIT UNIONCredit union · Nashville, TNAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansSummer Loans (Personal)Verified
• Mountain Valley BankBank or thrift · Dunlap, TNAgriculture / farm loans, Auto / vehicle loans, Equipment loans, Home repair / improvement loans…With our personal loans, we can assist you by providing you funding for practically any situation.Verified
• Orion Federal Credit UnionCredit union · Memphis, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansWhether you’re buying a car, a home, or funding personal goals, Orion Financial offers tailored loan solutions with flexible terms and exceptional support.Verified
• Southern Security Federal Credit UnionCredit union · Collierville, TNAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…from $500Loans as small as $500 (can help build or rebuild your credit rating!)Verified
• Tennessee Members 1st FCUCredit union · Oak Ridge, TNAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home mortgages…up to $3,000Individuals 18 years of age or older with proof of postsecondary education enrollment may be eligible to receive a loan of up to $3,000Verified
• The First National Bank of OneidaBank or thrift · Helenwood, TNCommercial real estate loans, Equipment loans, Home repair / improvement loans, Home mortgages…Personal Loan ApplicationVerified
• Trust Federal Credit UnionCredit union · Chattanooga, TNAuto / vehicle loans, Home mortgages, Personal / consumer loans$1,000 to $20,000Personal loan amounts are based on creditworthiness and range from $1,000 to $20,000.Verified
• UNION BANKBank or thrift · Jamestown, TNHome mortgages, Personal / consumer loans, Small-business loansSecured and unsecured personal loans are available for a variety of circumstances.Verified
• Wayne County Bancshares, Inc.Bank holding company · Waynesboro, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Personal financing for vehicle repairs, vacations, debt consolidation, and moreVerified
• Wayne County BankBank or thrift · Waynesboro, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Personal financing for vehicle repairs, vacations, debt consolidation, and moreVerified
• Y-12 Federal Credit UnionCredit union · Oak Ridge, TNAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Home mortgages…our personal loans make it simple to focus on what truly matters.Verified

National lenders (1)

These lenders say they lend nationwide and do not exclude Tennessee. They are not counted above.

• UPI LOAN FUNDLoan fund · Chandler, AZPersonal / consumer loans, Small-business loansAffordable personal loans for education, medical costs, job expenses, emergencies, funeral costs, auto repairs, credit card debt, and moving expenses.Verified

County pages in Tennessee with these lenders

Number of lenders above that name the county (or a town in it) on their website or are headquartered there.

Other loan types in Tennessee

CDFI personal loans in other states

CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement. Disclaimer.