Lenders using AI on vacant land in Chattanooga, TN 2026!

Choose and compare from among 298 land loan lenders in Chattanooga, TN.

The typical cost for an acre of land in TN is $33,483. The loan-to-value (LTV) ratio for undeveloped land ranges from 16.80% to 55.37%, whereas the estimated LTV for loans on already developed land in TNName is between 36.44% and 75.53%.

The actual market value and loan LTV of land are influenced by its location, dimension, topography, zoning, and any entitlements applied to the property.

Contact the top land loan lender in Chattanooga, TN to explore your land loan options and discover current land loan rates.

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The Ultimate Land Loan Calculator

Lendersa® uses AI technology to promptly align your loan request with hundreds of direct hard money lenders to cover all your needs. Discover the most favorable land loan rates today for financing vacant land or land with construction in TN.

Land Loans and Land Value

Minimizing unnecessary inquiries can aid in preserving your credit score. Get preapproved for a land loan without requiring your social security number or sensitive financial data.

Construction loans and blanket loans are integral to vacant land financing. You may qualify for 100% LTV (Loan to Value) financing if you are willing to pledge additional property as security (blanket loan).

Hard Money Lending in Your Vicinity?

Connecting with a private investor via a local hard money broker can significantly enhance your chance of loan approval. Land loans in Chattanooga, TN are best set up by local lenders familiar with the neighborhood. Proximity between the hard money investor and the property can increase loan approval chances and accelerate the funding process.

Utilize the Lendersa® land loan calculator to find vacant land loan lenders within zip codes 37415.



Chattanooga Land Loan Lenders

  • Pathway Credit Union
  • 2751 Ralph Buckner Boulevard NE, Cleveland, TN, 37311
  • Lends in Tennessee
  • Pathway CU was established as a financial institution to meet the growing needs of the Church of God entities. Each member of the credit union is part owner of the organization. Members in good standing are privileged to vote for the Board of Directors.Each year financial gains are returned to the members in the form of dividends or other benefits.

  • Copper Basin Federal Credit Union
  • 771 Ocoee Street, Copperhill, TN, 37317
  • Lends in Tennessee
  • Our Credit Union is membership owned and a nonprofit financial institution. We are a controlled institution based on "people helping people"​ principles. We offer an array of account options including checking, savings, loans, and CDs. Providing affordable financial services, lower interest rates, and helping you save money is what we do best.

  • Highland Federal Savings and Loan Association
  • 106 South Main St, Suite 103, Crossville, TN, 38555
  • Lends in Tennessee
  • The mission of Highland Federal Savings and Loan Association is to provide quality products and professional, personal service to our customers, who are the focus of everything we do. Locally owned and operated since 1961, member of FDIC and an Equal Housing Lender, we continue to promote security and trust as absolute priorities.

  • Upper Cumberland Federal Credit Union
  • 627 Livingston Road, Crossville, TN, 38555
  • Lends in Tennessee
  • Upper Cumberland Federal Credit Union was chartered with the purpose of serving the employees of the Carter Ink Company in Massachusetts. The original name of the credit union was Carter Inx Folx Federal Credit Union. As the Carter Ink Company expanded, an ink manufacturing plant was built in Crossville, Tennessee.

  • Ascend Federal Credit Union
  • 520 Airpark Drive, Tullahoma, TN, 37388
  • Lends in Tennessee
  • At Ascend, our mission is to "Raise Possibilities"​ for our members. This means opening new doors for financial freedom, guiding people through money matters using sound experience and knowledge, and providing an environment where you can feel comfortable knowing we have only your best interests in mind.

  • Jack Daniel Employees' Credit Union
  • 488 Majors Boulevard, Lynchburg, TN, 37352
  • Lends in Tennessee
  • At Jack Daniel Employees’ Credit Union. Founded in 1977, Jack Daniel Employees’ Credit Union provides a wide range of financial products with a personal touch and genuine concern for our members. Credit unions were formed with one concept in mind, “people helping people”. This simple idea created an enormous movement.

  • first bank of the lake
  • 925 S Church St, Murfreesboro, TN, 37130
  • Lends in Tennessee
  • Our bank is for business owners who cannot get SBA loan from their own bank, and deserve a good rate. We fund niche franchises or concepts low units, large business acquisitions up to 7m and CRE up to $30m in all 50 states. For CRe we fund projections based, ground up construction, Gas Stations, Carwashes, Assisted Living, Self Storage, etc. In 202

  • ORNL Federal Credit Union
  • ornlfcuse!52261, Oak Ridge, TN, 37831
  • Lends in Tennessee
  • ORNL Federal Credit Union (FCU) is a not-for-profit, member-owned financial cooperative benefiting all who belong. Since 1948, our mission has been to help our members create healthy relationships with their money. By helping hundreds of thousands of members see success, we have become one of the largest credit unions in East Tennessee.

Also lends in Tennessee

  • Devlin Development Worldwide
  • 430 Windstone Trail, Alpharetta, GA, 30004
  • Devlin Development Worldwide: Financing Your Property Investment Dreams

    Devlin Development Worldwide facilitates nationwide hard money Loans to investors that are looking to purchase, rehab, fix and flip, fix and hold, residential and commercial properties from $50k to $20M.
    Contact us today to help close on your investment property.

  • Fund and Close
  • 290 Carpenter Drive Northeast, Sandy Springs, GA, 30328
  • Fund and Close, led by Mona Carter, empowers your real estate journey with 100% financing solutions, eliminating credit checks or income verification. Experience rapid, seamless closing processes tailored to your needs, making property investments accessible and hassle-free. Take the first step towards financial freedom with unmatched ease and effi