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

Select and compare from 298 land loan lenders available in Cleveland, TN.

The average price per acre in TN is $34,425. The loan-to-value (LTV) ratio for undeveloped land ranges from 16.86% to 55.94%, while for loans on developed land in TNName, the estimated LTV lies between 36.48% and 75.57%.

The real value and LTV of any land are determined by its location, size, topography, zoning, and any entitlements applied to the land.

Discover your land loan options and rates by contacting the leading land loan lender in Cleveland, TN.

Examine loan offers from 100 lenders

The Magic Land Loan Calculator

To meet all your hard money lending needs, Lendersa® AI technology directly matches your loan request with several hard money lenders. Discover the best land loan rates today to finance any variety of vacant land or land plus construction in TN.

Land Loans and Land Value

Reducing unnecessary inquiries can help maintain your credit score. Get preapproved for your land loan without providing your social security number or other sensitive financial information.

Construction loans and blanket loans are essential in vacant land lending; you may qualify for 100% LTV financing by using additional property as security (blanket loan).

Is There Hard Money Lending Near You?

Connecting with a private investor via a local hard money broker considerably improves your chances of getting a loan. Land loans in Cleveland, TN are best managed by local lenders familiar with the neighborhood. A short distance between the hard money investor and the property increases loan approval odds and speeds up the funding process.

Utilize the Lendersa® land loan calculator to find vacant land loan lenders in zip codes 37312.



Cleveland 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.

  • 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.

  • 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.

  • Citizens National Bank TN
  • 200 Forks of the River Pkwy, Sevierville, TN, 37862
  • Lends in Tennessee
  • The mission of Citizens National Bank is to provide a positive & distinctive banking environment by exceeding Our Clients'​ expectations with every interaction; serving Our Communities with an unwavering commitment, economically or otherwise, as a proud corporate citizen; ensuring Our People have the opportunity to grow personally & professionally.

  • 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.

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.

  • Shore Up Financial Services LLC
  • 2047 Lawrenceville-Suwanee Rd Ste E, Suwanee, GA, 30024
  • Shore Up Financial Services was created for investors by investors and, as such, we understand the challenges faced and lending needs of investors. We structure financing for investors who appreciate a high level of service with direct answers, solid communication, and a confidence in that if it can be done, it will get done! "You work the miracle