We maintain a referral program where you receive $125 for each new loan that is approved and closed as a result of your referral. Please contact us to learn more about program details.

We provide services to clients across Middle Tennessee and the surrounding regions.

We offer personal secured installment loans from $500 to $5,000, subject to our normal credit policies and underwriting guidelines. Our loans feature fixed monthly payments over an agreed-upon repayment term, making it easy to budget with no surprises.

Every application is reviewed individually. We consider: • Your credit history • Employment and income stability • Length of time at your current residence • Your monthly budget and existing financial obligations We believe every applicant deserves personal consideration—not just a computer-generated decision.

Yes. We obtain a credit report through Equifax as part of our application review. We do not obtain or use your credit score when making our lending decision. Instead, we carefully review your credit history, income, stability, and overall financial situation to evaluate your application. Many customers appreciate this approach because a credit score does not always reflect their complete financial picture. Please note: Obtaining your credit report through Equifax is considered a hard inquiry, similar to applying for a mortgage, auto loan, personal loan, student loan, or credit card.

Having credit problems does not automatically mean you will be denied. We understand that unexpected life events can affect anyone's financial situation, and we carefully review every application individually. If your bankruptcy has been discharged and you are not currently in an active bankruptcy, we would be happy to review your application. We specialize in helping customers rebuild their credit and get back on solid financial footing. We also report payment history to Equifax, so making your payments on time may help you build or rebuild your credit history.

Many applications can be approved in as little as 45 minutes after all required information has been received and verified. Because every application is unique, approval times may vary depending on the information provided.

Generally, you will need: • 2 forms of ID – A valid Tennessee-issued driver's license or Tennessee-issued photo ID and any form you choose that has your name printed (SS Card, Birth Cert., Handgun Permit, etc.) • Proof of income • Proof of residence • 5 personal references You can begin your application online or by phone, but you will need to visit our office to complete your loan documents and finalize your loan. Additional documentation may be requested depending on your individual application.

No. There are no prepayment penalties on our loans. You only pay interest for the amount of time your loan is outstanding, so paying your loan off early may reduce the total interest you pay.

For your convenience, we offer several payment options. You may make your payment: • In person at our office using cash, check, or money order • By mail using check or money order • By phone using a debit card (A convenience fee is charged by our payment processor for debit card payments made by phone.) We are always looking for ways to better serve our customers and hope to offer additional payment options in the future.

Our experienced team is here to help! Phone: (615) 848-0203 Email: rc@rutherfordcredit.com Rutherford Credit, LLC 1407A Northwest Broad Street Murfreesboro, TN 37129 Stop by our office or give us a call—we look forward to serving you!