The MFP’s Community Personal Loan Lender Survey gathers Tennessee borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Tennessee’s Personal Loan Borrowers >>
Tennessee Best Personal Loan Lenders
Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, Johnson City, Jackson, Hendersonville, Online.
Nashville Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Nashville’s area are Ascend Federal Credit Union, Cornerstone Financial Credit Union and Old Hickory Credit Union.
- Ascend Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Nashville-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Cornerstone Financial Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Old Hickory Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Ascend Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Cornerstone Financial Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Old Hickory Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| US Community Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Volunteer State Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| FirstBank | Community Bank | 4.6 | 4.5 | 4.6 | 91% |
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Pinnacle Financial Partners | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Regions Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
Memphis Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Memphis’s area are Orion Federal Credit Union, Shelby County Federal Credit Union and Hope Credit Union.
- Orion Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Memphis-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Shelby County Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Hope Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Orion Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Shelby County Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Hope Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Memphis City Employees Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| First South Financial Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Southern Security Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Regions Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| BankTennessee | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Trustmark Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Cadence Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Truist Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 80% |
Knoxville Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Knoxville’s area are Knoxville TVA Employees Credit Union, ORNL Federal Credit Union and Y-12 Credit Union.
- Knoxville TVA Employees Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Knoxville-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- ORNL Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Y-12 Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Knoxville TVA Employees Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| ORNL Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Y-12 Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Enrichment Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Regions Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Home Federal Bank of Tennessee | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Chattanooga Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Chattanooga’s area are Tennessee Valley Federal Credit Union, Scenic Community Credit Union and Trust Federal Credit Union.
- Tennessee Valley Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Chattanooga-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Scenic Community Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Trust Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Tennessee Valley Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Scenic Community Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Trust Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Ascend Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Regions Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| SmartBank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Clarksville Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Clarksville’s area are Fortera Credit Union, Altra Federal Credit Union and Planters Bank.
- Fortera Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Clarksville-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Altra Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Planters Bank ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Fortera Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Altra Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Planters Bank | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| First Horizon Bank | Bank | 4.6 | 4.6 | 4.7 | 92% |
| Regions Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| F&M Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Murfreesboro Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Murfreesboro’s area are Ascend Federal Credit Union, Redstone Federal Credit Union and FirstBank.
- Ascend Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Murfreesboro-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Redstone Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- FirstBank ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Ascend Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Redstone Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| FirstBank | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| First Horizon Bank | Bank | 4.6 | 4.6 | 4.7 | 92% |
| Regions Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Pinnacle Financial Partners | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Franklin Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Franklin’s area are Ascend Federal Credit Union, Cornerstone Financial Credit Union and Pinnacle Financial Partners.
- Ascend Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Franklin-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Cornerstone Financial Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Pinnacle Financial Partners ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Ascend Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Cornerstone Financial Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Pinnacle Financial Partners | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| FirstBank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Regions Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Johnson City Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Johnson City’s area are Eastman Credit Union, Appalachian Community Federal Credit Union and Knoxville TVA Employees Credit Union.
- Eastman Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Johnson City-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Appalachian Community Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Knoxville TVA Employees Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Eastman Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Appalachian Community Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Knoxville TVA Employees Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| First Horizon Bank | Bank | 4.6 | 4.6 | 4.7 | 92% |
| Regions Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bank of Tennessee | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Truist Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Jackson Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Jackson’s area are Leaders Credit Union, First South Financial Credit Union and FirstBank.
- Leaders Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Jackson-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- First South Financial Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- FirstBank ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Leaders Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First South Financial Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| FirstBank | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| Bank of Jackson | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Regions Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Hendersonville Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Hendersonville’s area are Old Hickory Credit Union, Ascend Federal Credit Union and Cornerstone Financial Credit Union.
- Old Hickory Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Hendersonville-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Ascend Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Cornerstone Financial Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Old Hickory Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Ascend Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Cornerstone Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Volunteer State Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Regions Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Tennessee Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Tennessee’s area are Leaders Credit Union, Eastman Credit Union and TENCU.
- Leaders Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to an easy online application, competitive fixed-rate loan options, and helpful service during the borrowing process.
- Eastman Credit Union ranks second with a 95% Recommend score, 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, tying the highest Support & Guidance score among the top 3.
- Borrower feedback supports its strong ranking because customers highlight flexible personal loan choices, clear borrowing terms, and useful help when applying.
- TENCU ranks third with a 94% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance, tying the highest Easy Application score among the top 3.
- Borrower feedback supports its top-3 placement because customers point to online application access, simple personal loan options, and responsive service.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Leaders Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Eastman Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| TENCU | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| US Community Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 92% |
| TN Members 1st Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 91% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 90% |
| ORNL Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 89% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 88% |