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Neighbors Helping Neighbors Since 1959

Stop Overpaying
for Your Loan

Get a fair, affordable loan from a local team, and save significantly compared to big box lenders. You could save thousands!

Fast decisions, honest rates, and real people at real branches.

It’s Free to Apply.
Get Started Now in under 60 seconds!

65+

Years in Business

4

Local Branches

$200 - $20K

Small to Large Loans

5-star

Local Reviews

About Appalachian Lending

Since 1959, Appalachian Lending has been proudly serving working families across East Tennessee. As a locally-owned, independent consumer finance company, we’ve grown with our communities — and today we offer straightforward installment loans from $200 to $20,000.

We understand that life doesn’t always wait for perfect credit or lengthy bank-processes. Whether you’re building credit, dealing with unexpected expenses, or looking to replace a higher-cost loan with a fairer one, we’re here to help. Our team of branch managers and loan specialists make decisions locally, in your community, so you won’t get lost in a distant call-center queue.

 

Who We Help

  • People with less-than-perfect credit who need a trusted local lender
  • Families looking to save money compared to higher-cost or title-based lenders
  • Residents who prefer face-to-face service at a nearby branch
  • Borrowers who want transparent terms, predictable payments, and real support
  • We are trying to make good loans to good people for good reasons. 
Learn More

Easy to Apply

Fast Turnaround

Outstanding Service

Loan Services to Fit Your Situation


 
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Why People Switch to Appalachian Lending

We’re the local, honest alternative to higher-cost national lenders.
Our goal is simple: help you save money and build financial stability.
Here’s how:


Lower Cost, lower payments
We replace expensive higher-cost title or flex loans with fair, affordable rates.

Simple, predictable payments
Same payment every month. Balance goes down — no surprises.

Fast approvals
Many approvals take just minutes.

Perfect credit not required
We look at your whole situation, not just a number.

Local people
We treat you with respect. Real conversations. Real help. Real solutions.

Build your credit
We help you build your credit score, by reporting traditional installment loans to the credit bureau monthly.

 
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Loans to Get You Going Fast


 
• Auto Purchase

• Auto Repair

• Home Repairs

• Medical Bills

• Utility Bills

• School Expenses

• Emergency Expenses

• Travel & Family Needs
Franchise consulting 1 original
• Debt Consolidation

• Personal Loans

• Back-to-School Costs

• Holiday & Seasonal Needs

• Moving Expenses

• Appliance Replacement

• Small Home Projects

• Versatile Loan Options

How it Works:
 

Apply For a Loan

Fill out our simple form to get started. There are no fees or obligations.

Get Approved

Compare different loan options and choose a loan that fits your budget best.

Use The Funds

The funds are available immediately after signing your loan document.
100% Transparent

3 Business Days for a Refund

100% refund if you changer your mind for any reason within the first 3 business days.

Amortization Schedule

We provide each borrower with an amortization schedule, so you know exactly what you owe after each payment you make. Your payment is the same every month, and you'll always know what your balance is.

Answers to Your Questions


What types of loans do you offer?
We offer traditional installment loans from $200 to $20,000 for almost any purpose — auto repairs, home improvements, debt consolidation, medical bills, school expenses, and more.
 

Do I need perfect credit to get approved?
No. We work with all kinds of credit situations. Many of our customers come to us specifically after struggling with high-cost title or flex loans.
 

Can you pay off my existing title or flex loan?
Yes. We can often pay off your current higher-cost loan and move you into a lower-cost, fixed-payment installment loan, which may save you thousands over the life of the loan.
 

How fast can I get funded?
Most customers are approved the same day, and funds are typically available immediately after signing.
 

How do payments work?
Payments are simple and flexible. You can pay:
• In-branch with cash, check, or debit card
• By phone with a debit card (instant text/email receipt)
• By mail to your originating branch
• Via night drop (checks only)

 

Do my payments help my credit score?
Yes. We report your good payment history on traditional installment loans to the credit bureau each month, helping you build and improve your credit over time.
 

What do I need to apply?
You’ll need:
• A driver's license or photo ID
• A recent phone, water, or electric bill
• Proof of income
• A completed loan application

 


Is there a fee to apply?
No. There are no application fees and no obligation to move forward.

 

What Customers Say

Over 280 Google Reviews with a 4.8 Star Average
"Appalachian Lending Johnson City helped me out of an absolutely horrible 279% interest Flex loan from Advanced Financial that had no end in sight. My payment is half of what it was and I don't have to worry about it all going toward interest and I know exactly when it will be paid off. I am so beyond happy that I saw their billboard and gave them a call. I fully expected to be turned away with my bad credit but they helped me get approved in less than an hour. I can't even begin to explain the amount of stress that has been lifted. Travis and Kristen are both wonderful and I look forward to working with them!"
— Samantha P.
"I'm so glad I found Appalachian Lending! Before, I was stuck paying $750 every month for my car at a buy here pay here lot, and it felt like I'd never pay it off. But then, I met Travis and his amazing team. They worked super quickly and professionally to help me switch to a newer car with 80,000 less miles, and now my payments are half what they used to be. This change seriously saved me from a big financial headache. If you're thinking about getting a car from a buy here pay here lot or considering a title loan, stop and check out Appalachian Lending first. Highly recommend them for their speedy, professional service and for helping me save big time!"
— Steven E.
"I have been to a few different title places and I have to honestly say that Appalachian lending has been my favorite. I will start coming to them going forward. Not only are payments way less than other locations, they break it down for you to show you exactly what you pay back in 1 year. I walked out their office with no regrets!"
— Mary O.
"I have been with them for many years they are the best and the most caring of any lenders I have ever been with. I highly recommend them if you want to be treated like family and not a number."
— Allen C.
"I highly recommend Appalachian Lending. They are truly outstanding business for their excellent communication ..carry with such integrity and respectful care for their customers! I truly appreciate them for their amazing services!!..They will serve you well! I had them several times! They deserves 5 stars!!!!!🙏"
— Jane S.
"I have used Appalachian lending for years they are not rude they work with each individual in a very professional manor. I have a very high level of respect for the employees 8and management. THEY ARE THE BEST OF ALL LOAN companies in Johnson City TN."
— Pam H.
"I have personally done business with Appalachian Lending for 10 years and have always had a great experience. The rates are fair but it’s the people and their customer service that keeps me coming back."
— Krandall K.
"I absolutely love the service I have gotten from this company anytime I have really need them they have been there the ladies that run the Kingsport office is amazing Sandy is one of the nicest ladies you will meet in the lending industry I can promise you that!"
— Margie M.
"Great rates friendly staff loans will help build your credit I recommend them to anyone looking to borrow some cash they saved me a ton of interest and money by helping me get out of a title loan with TITLEMAX because of this I was able to get my title back if your in the same situation don't go to titlemax go to Appalachian Lending they will buy out your title loan and you will be able to get your title back they will work with you if you need a extra day to pay they are good ppl they also report to the credit bureau each month I highly recommend a loan with Appalachian Lending!!!!
— Misty W. 
"Sandy, Diane, and Jordan in Kingsport are amazing people to work with. They're very understanding and have always been there to lend a helping hand."
— Amber H.

Our Locations

Local Offices. Friendly People. Fast Approvals.
Stop by or make an appointment.


 

Johnson City

1200 North Roan Street, Johnson City, TN 37604
Phone: 423-232-8959
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Kingsport / Colonial Heights

2705 Fort Henry Drive, Kingsport, TN 37664
Phone: 423-245-1210
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Elizabethton

1970 West Elk Avenue, Elizabethton, TN 37643 (Across from VFW)
Phone: 423-542-3353
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Greeneville

817 Andrew Johnson Highway, Greeneville, TN 37745
Phone: 423-638-1849
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