About Southern Finance Greeneville TN | Local Loans Since 1959

About Us

About Southern Finance of Greeneville, TN

Southern Finance of Greeneville has been providing personal and installment loans to families in Greeneville, Tennessee since 1959. As a locally operated consumer finance office, we offer traditional installment loans ranging from $200 to $20,000, with loan decisions made right here in the Greeneville community.

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.

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

Southern Finance – Greeneville is a locally operated lending office and part of the Appalachian Lending family of companies.

65+

Years in Business

4

Local Branches

$200 Loans

Up to $20,000 Loans

5-star

Local Reviews

Why Choose Southern Finance of Greeneville?

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.