Neighbors Helping Neighbors Since 1959

Local Loans Made Simple
in Greeneville, TN

Get a fair, affordable loan from a local team who understands your needs. Fast decisions, honest rates, and real people at Southern Finance of Greeneville. Serving Greeneville and the Tri-Cities Region with straightforward installment and personal loans, designed to fit your budget and situation.

It’s Free to Apply.
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65+

Years in Business

4

Local Branches

$200 - $20K

Small to Large Loans

5-star

Local Reviews

About Southern Finance of Greeneville, TN

At Southern Finance of Greeneville, our job is to make your loan application and service experience as pleasant as possible. We believe life is complicated enough — dealing with your lender shouldn’t be. Our monthly payment loans are straightforward, easy to understand, and designed to fit real-world budgets.

We are thankful to be part of the Appalachian Lending Corporation family, a group of locally operated consumer finance offices serving communities across East Tennessee.

While this office proudly serves the Greeneville area, we also work alongside sister offices in Johnson City, Kingsport, and Elizabethton to ensure customers have access to the right support and resources.

Whether you have excellent credit, are establishing credit for the first time, or are working to rebuild credit after past challenges, our team is here to help. We want you to feel at ease knowing that the loan you choose has been created to fit your situation — and that you’re working with a trusted local office backed by a long-standing lending organization.
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Easy to Apply

Fast Turnaround

Outstanding Service

Loan Services to Fit Your Situation


 
Purchase

Auto Purchase Loans

Buy a vehicle with confidence and fair, local financing.
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Personal Loans

Cover medical bills, travel, emergencies, school costs, and more.
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Debt Consolidation Loans

Combine higher-cost payments into one affordable monthly plan.
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Home & Auto Repair Loans

Fix what needs fixing — fast and stress-free.
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Title/Flex Loan Relief

Transfer costly loans to a traditional installment loan and save big.
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Loans for Real Life — Including the Good Stuff

Not every loan is about an emergency. Sometimes it’s about improving your home, planning something meaningful, or moving forward with confidence.
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Why People Switch to Southern Finance

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
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• 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

"Southern Finance was very professional and very helpful. I recommend anybody that needs a loan to go there. They will help u in any way they can."
—Renee B.
"I absolutely love going to this place whenever I need some cash. Chris and Daphne have both been willing to work with me if I've had to bring a payment in late. And they always take into heart your situation. They're actually in it to help people and not just for a paycheck!!!"
— Ashley G.
"I have done business here several times and am beyond happy with there service. Extremely friendly and are very willing to work with you on your payment. I have nothing but good things to say about this company n the people in the Greenville office. Thank you!" 
— Katrina D.
"Always kind and helpful.they are there when you need it the most. I have been a customer for more than 20 years."
— Marryanne W.
"Always friendly and willing to help when I need to borrow money."
— Bill M.
"I have had nothing but good experiences while doing business with Southern Finance."
— Lee W.
"They are awesome with helping when needed!"
— Kayla L.

Part of the Appalachian Lending Family

Southern Finance of Greeneville is a locally operated office and a proud member of the Appalachian Lending family of companies.
Together, our sister offices serve communities throughout East Tennessee with straightforward loans and personal service.


 

Southern Finance Greeneville

1200 Snapps Ferry Road Greenville, TN 37745

Phone: 423-638-7811
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Appalachian Lending Johnson City

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

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

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