We are open and thankful to provide our customers with the financial services they need in these difficult times.

We are processing all transaction types; but, our lobbies are currently closed due to Covid-19.

  While at a branch, please remain in your car and we will provide curbside service. 


  • Traditional installment loans with lower monthly payments and total cost.
  • Get a new loan or transfer your existing loan to a lower cost traditional installment loan and save.
  • When compared to "title" or "flex" loans, you might save thousands.
  • We can help. Quotes are free. Call an office near you and let us create a lower cost solution for you.

Appalachian MountainsWith offices in Johnson City, Kingsport, Colonial Heights, Elizabethton, and Greeneville, we're here to provide you and your family with the products that best fit your situation. If you have perfect credit, need to establish credit, or re-establish less than perfect credit due to bankruptcy or slow payments, we are here to help. We want you to feel at ease knowing that the loan you choose has been created to fit your budget.

At Appalachian Lending, our job is to make your loan application and service experience as pleasant as possible. Life can be so complicated, dealing with your lender shouldn’t be. We were born and raised right here in East Tennessee. Our Monthly Payment Loans and Payday Advance Loans are straight forward and easy to understand.

Thank You for Your Business

Our Loans

Our Traditional Installment Loans of up to $10,000.00 are straight forward and easy to understand. Your payments are the same every month and your balance goes down with each payment you make. We report your good credit history on traditional installment loans to the credit bureau each month to help you build your credit score.

Our Payday Advance Loans of up to $400.00 are a sound alternative to bounced check fees and late payment penalties. These short term loans are not usually the best long term solution; but, for short term budget management, they might be a good option. These payday advance transactions are not reported to the credit bureau.

  • Auto Repair
  • Utility Bills
  • Groceries
  • Medical Bills
  • School Expenses
  • Much needed vacation
  • Loans for any good purpose

Both types of loans we make are Convenient, Fast & Simple! Retired and Fixed Incomes Welcome!

All you need is:

  • A driver's license or photo identification
  • Your most recent phone, water or electric bill
  • Your most recent bank statement
  • Your most recent pay stub
  • A completed Appalachian Lending loan application

Let Us Help You!

Apply for a Loan Now