The Chattanooga Neighborhood Enterprise is a personal loan from Chattanooga Neighborhood Enterprise. The ongoing APR is 18% fixed interest rate; fixed annual percentage rate of 21%. Approval typically requires a credit score of No credit history needed or higher. Typical credit limit: Loans available from $400 - $1,000. Loan terms: 12 month repayment, with no prepayment penalties; affordable monthly payments through convenient payroll deduction.