Best Credit Builder Loans in Tennessee

Published: 17 April 2024

Author: Noah Gomez 

Finding the right credit builder loan is no easy task, and it's easy to skip over strong local offers in favor of weaker national brands.

In Tennessee, we looked at over 15 banks, credit unions, and digital lenders. Unlike most states, we didn't find any "Tennessee-only" institutions with credit builder loans, but a few regional offers are not to be missed.

Best Overall

Stanley Credit Union

Avg. Principal: $1,375
Avg. APR: 5.7%
Avg. Length: 15 months

Though only available in Loudon county, TN, Stanley's credit builder loan offers 5.70% APR (compared to national average of 7%+) on principal amounts as high as $2,500 from periods as short as 6 months. Combined, these criteria make it competitive on the national stage.

For residents outside Loudon county, plenty of multi-state offers exist with equally competitive terms (see below).

Best from Bank (Physical)

Regions Bank

Avg. Principal: $1,625
Avg. APR: 5%
Avg. Length: 12 months

Best from Credit Union

Stanley Credit Union

Avg. Principal: $1,375
Avg. APR: 5.7%
Avg. Length: 15 months

Best from Digital Lender


Avg. Principal: $25,500
Avg. APR: 20.3%
Avg. Length: 48 months

Best Tennessee-Only Credit Builder Loans

Best Multi-State Credit Builder Loans Available in Tennessee

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