Neighbors Helping Neighbors Since 1959

About Us

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About Appalachian Lending

Appalachian Lending has been providing personal and installment loans to families across East Tennessee since 1959. As an independently owned and locally operated consumer finance company, we offer traditional installment loans ranging from $200 to $20,000, with loan decisions made right here in our regional offices. Whether you’re looking for a personal signature loan, auto purchase loan, auto equity loan, or debt consolidation loan, our focus is simple: to offer clear terms, honest guidance, and fast, respectful service to every customer who walks through our doors—from Johnson City to Kingsport, Elizabethton, Greeneville, and the surrounding Tri-Cities.

Our loan options are designed to help you:
✓ Get fast, straightforward financing
✓ Cover unexpected expenses or planned needs
✓ Make manageable monthly payments
✓ Move forward with confidence
 

65+

Years in Business

4

Local Branches

$200 Loans

Up to $20,000 Loans

5-star

Local Reviews
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Why Choose Appalachian Lending?

Local Decisions, Fast Approvals


Every loan decision is made right here in East Tennessee, so you get answers quickly—often the same day.

Flexible Loan Options
From personal signature loans to auto purchase and equity loans, we help you find the right fit for your needs.

Respectful, Real-Life Service
No judgment, no pressure. Just friendly people who listen and work to understand your situation.

Clear Terms & Predictable Payments
We keep everything simple and upfront, with no hidden fees and monthly payments that fit your budget.

Serving East Tennessee Since 1959
More than 60 years of experience helping families across Johnson City, Kingsport, Elizabethton, Greeneville, and surrounding communities.
 

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.

 

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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