KNOXVILLE, Tenn. (WVLT) – However the bailout votes go, many East Tennessee lenders will be relieved to see the bailout battle over.

It's not that they need the help, but that they're eager to return to business as usual.

Business as usual means quieting any anxious depositors and skittish would be borrowers, and telling them, their rules haven't changed, even if others have.

The “others” are lenders who are more likely to be in trouble.

For mother of two, Rebecca Gray, credit simply is convenience to get grocery and pay in full, at the end of the month.

Her read on solving the lend crisis is that it’s “probably a good thing to be more strict about who they allow to have a loan and probably do their homework a little better.”

Kyle Benson almost got his college loan pinched.

He says, “It delayed me getting my textbooks and stuff, it delayed it so much I almost didn't get any. And there's (sic) friends at school who aren't getting any.”

Hundreds may have trouble getting car loans.

Doug Flynn with Flynn Zito Capital Management says, “In the old days you would just go back, get a new lease, a new vehicle. But if your credit scores are below 700, somewhere in the 600-660 range, you're gonna find it very difficult.”

First Tennessee Bank Executive Vice President Donna Cooper says, “We're very much in the loan business, just as we were six months ago.”

Cooper says First Tennessee wants to make sure its customers know it never bought into risky loans or borowers, so it hasn't had to tighten money or lending standards

Cooper says, “We want to spend the time necessary with them to insure that they still have that confidence in us and we are taking proactive steps.”

Clayton Bank's Jim Clayton's assuring depositors and customers, via letter and email, that he's invested none of their money in assets that have failed, and that he won't invest in what he doesn't understand.

He also says there’s now way he will let a downturn in the economy, destroy a reputation he's spent years building.

First Tennessee's Executives saw the trouble coming.

Coopers says, “(We) made a concerted effort to raise capital, we are in a very strong capital position – 10.4 four percent, which is well above the median peer group.”

Graduate student Doronica Bowles isn't very worried about being able to borrow.

She says, “I fear that the interest rates might go up, keep on continuing to increase. That's probably like my only concern.”

Some believe interest rates could be the heaviest of the "other shoes to drop" if a bailout fails to pass, or fails period.

Clayton Bank, First Tennessee Bank, and Bank East haven’t said what should be in the bailout bill, only that it should protect customers’ assets and confidence.