Athens Short-term Loan in 2025

Common Capital is a Help Organization dedicated to providing the public with comprehensive, accurate, and accessible online information about payday loans in Tennessee.

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Tennessee Athens

Eligibility Criteria for Personal Loans

  • Valid government-issued ID proving your identity.
  • Proof of current address, such as a utility bill or lease agreement.
  • Recent pay stubs or bank statements demonstrating stable income.
  • Active bank account for fund disbursement, with online access.
  • Completed application form with accurate and up-to-date information.
  • Consent to perform a soft credit check, not affecting your credit score.
  • A working phone number and email address for communication.
  • Over the age of 18 and a legal resident of the country.

Trusted Short-term Loan Lenders in Athens, TN

Discover a network of trusted payday loan lenders, dedicated to providing quick and reliable financial solutions, ensuring transparency and support for your short-term financial needs.

Lender
User Ratings
Address
Phone
Category
American Trust Cash Advance
User Raiting:
5.00
Address: 1122 Congress Pkwy S, Athens, TN 37303
Phone: +1 (423) 746-9055
Category: Loan agency
Hometown Cash Advance
User Raiting:
5.00
Address: 225 W Washington Ave, Athens, TN 37331
Phone: +1 (423) 453-2243
Category: Loan agency
1st Franklin Financial
User Raiting:
5.00
Address: 941 Decatur Pike, Athens, TN 37303
Phone: +1 (423) 745-9292
Category: Loan agency
Covington Credit
User Raiting:
4.90
Address: 311 Congress Pkwy N Suite 400, Athens, TN 37303
Phone: +1 (423) 744-9199
Category: Loan agency
Mariner Finance
User Raiting:
4.80
Address: 2320 Congress Pkwy S, Athens, TN 37303
Phone: +1 (423) 745-3760
Category: Loan agency
Credit Central
User Raiting:
4.80
Address: 612 Decatur Pike, Athens, TN 37303
Phone: +1 (423) 746-9001
Category: Loan agency
Advance Financial
User Raiting:
4.70
Address: 1317 Decatur Pike, Athens, TN 37303
Phone: +1 (423) 438-1331
Category: Loan agency
Check Into Cash
User Raiting:
4.60
Address: 1217 Congress Pkwy S, Athens, TN 37303
Phone: +1 (423) 746-5091
Category: Financial institution
Southland Finance - Athens
User Raiting:
3.60
Address: 516 Congress Pkwy S, Athens, TN 37303
Phone: +1 (423) 744-9554
Category: Financial institution
Security Finance
User Raiting:
3.00
Address: 615 Decatur Pike #300, Athens, TN 37303
Phone: +1 (423) 745-6006
Category: Loan agency

What Are the Alternatives for Short-term Loans in Athens?

Explore various safer financial options to manage unexpected expenses and avoid the high costs and risks associated with payday loans. Learn about budgeting, credit counseling, and community resources.

Installment Loans

Installment loans allow borrowers to repay through scheduled payments, offering manageable terms. With approval, they're useful for financing large purchases or consolidating debt over time.

Guaranteed Cash Loans

Guaranteed cash loans promise easy access to small amounts of money, ideal for immediate expenses. Their brief repayment timeframe requires careful financial planning.

Title Loans Online

Title loans online offer fast funds against your vehicle's title. They're high-risk loans with the vehicle as collateral, suitable only for short-term needs.

Instant Emergency Loan

An instant emergency loan provides rapid access to funds during financial crises. It typically features high interest rates and should be used cautiously.

Payday Loans Online

Payday loans online offer small amounts to be repaid by the next paycheck. They carry high fees, serving as short-term solutions for urgent financial gaps.

Fast P2P Loans

Fast P2P (peer-to-peer) loans connect borrowers directly to lenders via online platforms, offering competitive rates and terms based on creditworthiness.

No Credit Check Debt Consolidation Loans

No credit check debt consolidation loans merge multiple debts into one, simplifying repayment and lowering interest. They can help manage existing debt efficiently.

Bad Credit Loans

Bad credit loans are designed for those with poor credit history, offering necessary funds with possible higher interest. Useful for building credit when approval is challenging.

How to Apply for Online Short-term Loans in Athens

Research and Compare Lenders

Start your journey by researching and comparing different payday loan lenders available online. Look for reputable companies with positive reviews to ensure reliability and transparency. Compare their interest rates, fees, repayment terms, and the overall terms and conditions. Make sure the lender is licensed to operate in your state. Taking the time to evaluate multiple options will help you find a lender that offers the best terms suited to your financial needs.

Check Eligibility Requirements

Before proceeding with an application, check the lender's eligibility requirements. Typically, you need to be at least 18 years old, have a steady income source, and possess a valid checking account. There may also be residency requirements or credit score criteria. Understanding these prerequisites can save you from a rejected application, which could negatively impact your credit score. Ensure that you meet all the lender's criteria before moving forward with the application.

Gather Required Documentation

Prepare the documentation required by the lender to ease the process. This usually includes proof of income, bank statements, identification documents, and possibly a utility bill to verify your address. Having these documents ready before you start the application will streamline the process. Accurate and complete information is critical to avoid delays or rejection. Be cautious and protective of your personal information, especially while dealing with online applications.

Complete the Online Application Form

Fill out the online application form on the lender's website. Provide accurate personal, employment, and financial information. Ensure that all the information about your income and expenses is truthful and matches your documentation. Double-check the form for typos or errors before submission, as inaccuracies could result in application denial. Make sure you are filling out a secure and official website form to protect your personal data from potential fraud.

Review Terms and Conditions

Once you've completed the application, carefully review the loan agreement, including the terms and conditions. Pay close attention to the interest rates, fees, repayment schedule, and any potential penalties for late payments or defaults. Understanding these details fully ensures there are no surprises later. If anything is unclear, contact the lender for clarification. Only proceed with the application if you are comfortable with all the loan terms and can meet the financial obligations.

Submit and Await Approval

After thoroughly reviewing the terms, submit your application and wait for the lender's response. Approval times can vary; some lenders may provide an instant decision, while others might take a few hours or even days. Keep an eye on your email or phone for communication from the lender. If approved, review any final documentation requirements. Once finalized, the funds are usually transferred directly into your bank account within one business day.

How to Use Short-term Loans - Useful Resources

Discover essential resources on effectively utilizing personal loans. Gain insights, tips, and guidance to make informed decisions and manage financial emergencies with confidence and responsibility.

Industry
Address
Phone
Car Wash
Address: 1105 Congress Parkway South, Athens, TN 37303
Phone: +1 (423) 745-3017
Club & Association
Address: 706 Congress Parkway North, Athens, TN 37303
Phone: +1 (423) 745-8387
College/University
Address: 102 East College Street, Athens, TN 37303
Phone: +1 (423) 507-2883
Dentist
Address: 746 Tell Street, Athens, TN 37303
Phone: +1 (423) 745-3559
Doctor
Address: 620 Congress Parkway North, Athens, TN 37303
-
Fast Food
Address: 2635 Decatur Pike, Athens, TN 37303
Phone: +1 (423) 745-0049
Fitness Club & Center
Address: 2015 Congress Parkway South, Athens, TN 37303
Phone: +1 (423) 745-9422
Government Office
Address: 815 North Jackson Street, Athens, TN 37303
Phone: +1 (423) 744-2751
Hospital
Address: 1114 West Madison Avenue, Athens, TN 37303
Phone: +1 (423) 745-1411
Hotel
Address: 115 County Road 247, Athens, TN 37303
-
Library
Address: 718 George Street, Athens, TN 37303
Phone: +1 (423) 745-5194
Mobile Phone Shop
Address: 1838 Decatur Pike, Athens, TN 37303
Phone: +1 (423) 405-5959
Museum
Address: South White Street, Athens, TN 37303
-
Pharmacy
Address: 109 West Madison Avenue, Athens, TN 37303
Phone: +1 (423) 405-5146
Rent-a-Car Facility
Address: 401 South White Street, Athens, TN 37303
Phone: +1 (423) 746-0076

How to Get to Athens

Complaints about Short-Term Loans in Tennessee

Issue Type
Amount of Complaints
Charged fees or interest you didn't expect
268
Struggling to pay your loan
197
Problem when making payments
145
Problem with the payoff process at the end of the loan
96
Charged fees or interest I didn't expect
93
Getting the loan
62
Incorrect information on your report
54
Getting a line of credit
50
Can't contact lender
45
Problem with additional add-on products or services
36
The data is taken from consumer complaint database created by Consumer Financial Protection Bureau

Submit a Complaint for a Short-term lender in Athens

If you need to submit a complaint against a payday lender in Tennessee, the primary regulatory body is the Tennessee Department of Financial Institutions. They ensure compliance with state laws governing payday loans. You can reach them at:

  • Tennessee Department of Financial Institutions, 312 Rosa L. Parks Avenue, 26th Floor, Nashville, TN 37243
  • (615) 741-2236
Submit a Complaint

Frequently Asked Questions about Short-term Loans

How Do Payday Loans Work?

Payday loans, also known as cash advances, are short-term personal loans designed to help individuals cover emergency expenses until their next paycheck. Borrowers usually apply online or in-person, and if approved, they receive funds instantly or within a short timeframe. These loans generally have a higher interest rate compared to traditional loans and need to be repaid by the borrower's next payday.

Who Can Apply for a Payday Loan?

Payday loans are accessible to a wide range of individuals, including those with bad credit. Most lenders require applicants to have a stable source of income, be at least 18 years old, and possess a valid bank account. However, policies may differ between lenders, so it is important to review individual requirements before applying.

How Much Can I Borrow with a Payday Loan?

The amount you can borrow with a payday loan varies depending on state regulations and the lending institution. Typically, borrowers can access between $100 and $1,000, though some lenders may offer higher amounts. It's crucial to remember that borrowing responsibly and only what you need for your specific situation is advisable.

Are Payday Loans Suitable for Bad Credit?

Yes, payday loans are generally accessible to those with bad credit. Lenders typically place more emphasis on income stability rather than credit history. However, it's essential to ensure you can repay the loan on time, as failure to do so could further negatively impact your credit score.

What Are the Risks Associated with Payday Loans?

While payday loans can offer quick financial assistance in emergencies, they come with high-interest rates and fees. Borrowers may find themselves in a cycle of debt if unable to repay the loan on its due date, leading to additional fees and financial strain. It's important to thoroughly understand the terms and ensure timely repayment.

Can Payday Loans Be Used for Any Purpose?

Payday loans are designed for short-term financial relief and can be used for various emergencies, such as unexpected medical bills, car repairs, or urgent household expenses. They should not be considered a solution for long-term financial issues or routine expenses.

What Are the Repayment Terms for Payday Loans?

Payday loans typically require repayment within a short period, often by your next payday, usually within two to four weeks. Some lenders offer extended repayment plans, but these may come with additional fees. It is essential to understand and agree to the repayment terms before applying.

How Can I Apply for a Payday Loan?

Applying for a payday loan is generally straightforward. You can apply online or in-person at a lending institution. You'll need to provide identification, proof of income, and bank account details. The application process is often quick, with decisions and fund disbursement happening rapidly.

Are Payday Loans Regulated?

Yes, payday loans are regulated by state and federal laws to protect consumers. Regulations can include caps on loan amounts, interest rates, and fees, as well as guidelines on loan renewal practices. It's important to be informed about your state's specific regulations before committing to a payday loan.

What Should I Consider Before Taking Out a Payday Loan?

Before taking out a payday loan, consider if it's the best option for your situation. Assess your ability to repay it on time, and be aware of the interest rates and fees. Explore alternative options such as personal loans with longer terms or financial assistance programs that might offer more favorable conditions.

Where Can I Find More Information About Payday Loans?

If you're seeking more information about payday loans, consumer protection websites, financial education resources, and professional financial advisors can provide guidance. It's crucial to do thorough research to fully understand payday loans and make informed financial decisions.

Tennessee Short-term Loans Near Me

Adamsville Alamo Alcoa Alexandria Algood Andersonville Antioch Apison Ardmore Arlington Ashland City Athens Atoka Atwood Bartlett Bean Station Bells Benton Berry Hill Big Sandy Blaine Blountville Bolivar Bon Aqua Bradyville Brentwood Brighton Bristol Brownsville Bruceton Bulls Gap Bumpus Mills Burlison Burns Byrdstown Calhoun Camden Carthage Caryville Castalian Springs Celina Centerville Chapel Hill Chattanooga Chuckey Church Hill City Clarkrange Clarksville Cleveland Clifton Clinton Coalmont College Grove Collegedale Collierville Collinwood Columbia Cookeville Copperhill Cordova Cornersville Corryton Cosby Counce Covington Crockett Mills Cross Plains Crossville Crump Culleoka Cumberland City Cumberland Furnace Dandridge Dayton Decatur Decaturville Decherd Dickson Dover Dresden Ducktown Dunlap Dyersburg Eads Eagleville East Ridge Elizabethton Englewood Erin Erwin Estill Springs Etowah Fairfield Glade Fairview Farragut Fayetteville Frankewing Franklin Friendsville Gadsden Gainesboro Gallatin Gates Gatlinburg Germantown Gibson Gleason Goodlettsville Gordonsville Grand Junction Gray Graysville Greenbrier Greeneville Greenfield Gruetli laager Halls Harriman Harrogate Hartsville Heiskell Helenwood Henderson Hendersonville Hermitage Hickory Valley Hill Hixson Hohenwald Hollow Rock Hornbeak Humboldt Huntingdon Huntland Huntsville Jacksboro Jackson Jamestown Jasper Jefferson City Jellico Joelton Johnson City Johnsonville Jonesborough Juliet Kimball Kingsport Kingston Kingston Springs Knoxville Kodak La Vergne Lafayette Lafollette Lakeland Lawrenceburg Lebanon Lenoir City Lewisburg Lexington Liberty Linden Livingston Lobelville Lookout Mountain Loretto Loudon Louisville Lyles Lynchburg Lynnville Madison Madisonville Manchester Martin Maryville Mascot Mason Maury City Maynardville Mcewen Mckenzie Mclemoresville Mcminnville Memphis Michie Middleton Milan Millington Monteagle Monterey Morrison Morristown Mosheim Mountain City Mt Carmel Mt Pleasant Mt. Juliet Munford Murfreesboro Nashville New Johnsonville New Market New Tazewell Newbern Newport Niota Nolensville Norris Oak Ridge Oakland Obion Old Hickory Oliver Springs Oneida Ooltewah Orlinda Palmer Paris Parrottsville Parsons Pegram Pigeon Forge Pikeville Piney Flats Pittsburg Plains Pleasant View Portland Powell Pulaski Puryear Reagan Red Bank Red Boiling Springs Riceville Rickman Ridge Ridgely Ridgetop Ripley Roan Mountain Rockwood Rocky Top Rogersville Rossville Rutledge Sardis Savannah Scotts Hill Selmer Sevierville Sewanee Seymour Shelbyville Signal Mountain Smithville Smyrna Sneedville Soddy Daisy Somerville South Fulton South Pittsburg Sparta Speedwell Spencer Spring City Spring Hill Springfield Stanton Summertown Surgoinsville Sweetwater Talbott Tazewell Tellico Plains Tennessee Ridge Thompson's Station Tiptonville Toone Townsend Tracy City Trenton Trezevant Trimble Troy Tullahoma Tusculum Unicoi Union City Vanleer View Viola Vonore Wartburg Washburn Watertown Waverly Waynesboro White Bluff White House White Pine Whites Creek Whiteville Whitwell Winchester Winfield Withe Woodbury Woodland Mills