Anyone in the local Johnson City area can apply for a personal loan with us in three different ways. You can apply online through our quick, easy, and secure pre-qualification process. Just checking for an offer won’t affect your credit score. You can call us at (423) 929-3033 and speak with one of our friendly loan specialist who will take your application over the phone. You can also stop by Covington Credit located at 600 N. State of Franklin Road, Suite 4 here in Johnson City, Tennessee and speak with someone in person. Three ways you can apply for a loan from Covington Credit.