Columbia 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 Columbia

Eligibility Criteria for Personal Loans

  • Valid government-issued ID for identity verification
  • Proof of income or recent bank statements to assess financial stability
  • Demonstrated urgent financial need, explaining the necessity of the cash advance
  • Completed application form with accurate personal and contact information
  • Active bank account for direct deposit of funds
  • Agreement to terms and conditions outlined by the NGO
  • Minimum age requirement, typically 18 years or older
  • Residency within the operational area of the NGO

Trusted Short-term Loan Lenders in Columbia, TN

Discover reliable payday loan lenders you can trust. Our vetted partners offer transparent terms and secure services, ensuring peace of mind and financial stability during unexpected expenses.

Lender
User Ratings
Address
Phone
Category
Advance America
User Raiting:
5.00
Address: 1202 S James Campbell Blvd Ste 20, Columbia, TN 38401
Phone: +1 (931) 388-8186
Category: Financial institution
Credit Central
User Raiting:
5.00
Address: 1904 Shady Brook St, Columbia, TN 38401
Phone: +1 (931) 490-9986
Category: Loan agency
Speedy Payday Loans
User Raiting:
5.00
Address: 975 Riverview Ln, Columbia, TN 38401
Phone: +1 (931) 486-8812
Category: Loan agency
Check Into Cash
User Raiting:
4.90
Address: 1904-A Shady Brook St, Columbia, TN 38401
Phone: +1 (931) 840-4970
Category: Financial institution
State Finance
User Raiting:
4.90
Address: 1907 Carmack Blvd A, Columbia, TN 38401
Phone: +1 (931) 388-2468
Category: Loan agency
Advance Financial
User Raiting:
4.80
Address: 2304 Carmack Blvd, Columbia, TN 38401
Phone: +1 (931) 287-2234
Category: Loan agency
Advance Financial
User Raiting:
4.60
Address: 1100 Nashville Hwy, Columbia, TN 38401
Phone: +1 (931) 241-4364
Category: Loan agency
Covington Credit
User Raiting:
4.40
Address: 105 E James Campbell Blvd, Columbia, TN 38401
Phone: +1 (931) 840-4932
Category: Loan agency
World Finance
User Raiting:
4.20
Address: 119 Nashville Hwy Ste 127, Columbia, TN 38401
Phone: +1 (931) 388-0200
Category: Loan agency
Regional Finance
User Raiting:
3.50
Address: 136 Bear Creek Pike Suite E, Columbia, TN 38401
Phone: +1 (931) 548-2045
Category: Loan agency
Plus Pawn Shop
User Raiting:
3.00
Address: 1802 Carmack Blvd, Columbia, TN 38401
Phone: +1 (931) 840-6205
Category: Loan agency
Security Finance
User Raiting:
2.20
Address: 1907 Carmack Blvd Suite E, Columbia, TN 38401
Phone: +1 (931) 388-1244
Category: Loan agency

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

Explore various alternatives to payday loans, offering safer and more affordable financial solutions for urgent needs, including credit unions, personal loans, and community assistance programs.

Installment Loans Quick

Installment loans are structured personal loans repaid through regular monthly payments. Quick approval processes make them accessible to those seeking predictable repayment schedules.

Fast Cash Loans

Fast cash loans are short-term financial solutions offering immediate funds, useful for urgent expenses. They provide swift access to money without lengthy application processes.

Instant Title Loans

Instant title loans involve using a vehicle as collateral, securing funds rapidly. The loan amount typically depends on the vehicle's value.

Emergency Loan no credit check

Emergency loans no credit check provide funds during unforeseen financial crises. They often don't require a strict credit evaluation, simplifying the approval process.

Payday Loans Online Guaranteed

Payday loans online guaranteed offer short-term loans accessible through digital platforms, providing fast financial relief with guaranteed approval for eligible borrowers.

P2P Loans Online

P2P loans online connect individual borrowers directly with investors through a digital platform, offering an alternative lending option without traditional banking institutions.

Debt Consolidation Loans Guaranteed

Debt consolidation loans guaranteed allow borrowers to combine multiple debts into one manageable payment, simplifying management and often lowering monthly payments.

Bad Credit Loans Instant

Bad credit loans instant are designed for individuals with poor credit scores, providing instant financial assistance without extensive credit scrutiny.

How to Apply for Online Short-term Loans in Columbia

Research Lenders

Start your journey by researching various lenders offering online payday loans. Check for credibility and reliability by reading reviews and ratings. Look for lenders who are transparent about their terms and conditions, and ensure they have a valid license to operate in your state. Keep an eye out for any red flags like hidden fees and unclear terms, and prioritize those with a good track record of customer service and support. This will help you find a trustworthy lender.

Check Eligibility

Before proceeding with your application, verify your eligibility for a payday loan. Lenders typically require you to be at least 18 years old, possess a steady source of income, and have a valid bank account. Some lenders might also check your credit score, although many do not. Gather necessary documents such as proof of income, identification, and banking details. This ensures you meet the basic requirements and expedites the application process, minimizing the chances of rejection.

Gather Necessary Documents

Having all required documents ready is crucial for a smooth application process. Typically, lenders will ask for a government-issued ID, proof of income like a recent pay stub, and bank account details. Some lenders might also request residential information or employment history. By preparing these documents in advance, you streamline the process and increase your chances of quick approval. Being organized not only saves time but also reflects positively on your application.

Fill Out the Application Form

Once you're prepared, visit the lender's website and fill out the online application form. Provide accurate information, as discrepancies can lead to delays or denial. Details you might need to fill include personal data, employment status, income amounts, and banking information for deposit purposes. Take your time and double-check all inputs for correctness. A complete and correctly filled application enhances your credibility and speeds up the decision-making process.

Submit and Await Approval

After completing the application, submit it electronically. At this stage, lenders will review your information and assess your application. Response times can vary, but many lenders offer quick decisions, often within the same day. Keep your communication lines open in case the lender needs additional information. Upon approval, you’ll typically receive the loan amount directly into your bank account. Remember to read all final terms and conditions before accepting the loan offer.

How to Use Short-term Loans - Useful Resources

Explore essential resources on the effective use of personal loans, featuring guidelines, tips, and insights to make informed financial choices while ensuring responsible borrowing practices.

Industry
Address
Phone
Car Repair and Service
Address: 2401 Highland Avenue, Columbia, TN 38401
Phone: +1 (931) 381-5252
Car Wash
Address: 2706 Trotwood Avenue, Columbia, TN 38401
Phone: +1 (845) 494-0948
Club & Association
Address: 127 West 7th Street, Columbia, TN 38401
Phone: +1 (931) 334-6810
Community Center
Address: 815 South Main Street, Columbia, TN 38401
Phone: +1 (931) 379-2929
Dentist
Address: 1514 Hatcher Lane, Columbia, TN 38401
Phone: +1 (931) 381-7591
Doctor
Address: 1401 Hatcher Lane, Columbia, TN 38401
Phone: +1 (615) 224-2662
Fast Food
Address: 1114 Nashville Highway, Columbia, TN 38401
Phone: +1 (931) 381-0332
Florists
Address: 705 Dunnington Street, Columbia, TN 38401
-
Government Office
Address: 201 Dyer Street, Columbia, TN 38401
Phone: +1 (931) 223-5189
Hospital
Address: Columbia, TN 38401
Phone: +1 (931) 328-0959
Hotel
Address: 1561 Halifax Drive, Columbia, TN 38401
Phone: +1 (931) 380-2025
Library
Address: 104 East 6th Street, Columbia, TN 38401
Phone: +1 (931) 388-9282
Museum
Address: 301 West 7th Street, Columbia, TN 38401
Phone: +1 (931) 388-2354
Rent-a-Car Facility
Address: 1210 Nashville Highway, Columbia, TN 38401
Phone: +1 (931) 380-0117
Shopping Center
Address: Brookmeade Drive, Columbia, TN 38401
Phone: +1 (931) 380-2197

How to Get to Columbia

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 Columbia

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, often referred to as cash advances, are short-term financial solutions designed to help individuals access funds quickly during emergencies. Borrowers typically write a post-dated check or authorize an automatic withdrawal from their bank account. The lender then advances the cash, which needs to be repaid by the borrower's next payday.

What Are the Eligibility Criteria for Obtaining a Payday Loan?

To qualify for a payday loan, individuals typically need to provide proof of identity, a stable income source, and a valid bank account. Credit scores are not usually a focal point in the approval process, making payday loans accessible even for those with bad credit.

How Fast Can I Receive the Funds from a Payday Loan?

One of the main advantages of payday loans is their speed. Once approved, funds can often be deposited into your bank account on the same day or within 24 hours, making them suitable for urgent and emergency expenses.

Are There Any Risks Associated with Payday Loans?

Payday loans come with high interest rates and fees. If not repaid on time, the cost can escalate quickly, leading to a cycle of debt. It's crucial to use these fast loans responsibly and only in genuine emergencies.

Can I Get a Payday Loan with Bad Credit?

Yes, one of the reasons payday loans are popular is because they are accessible to individuals with bad credit. Lenders focus more on your ability to repay the loan than on your credit history.

How Does a Payday Loan Differ from Other Personal Loans?

Payday loans differ from traditional personal loans in terms of duration, amount, and interest rates. They are designed for short-term emergencies and generally have higher interest rates, while personal loans can be repaid over several years with lower interest.

Is There a Limit to the Amount I Can Borrow with a Payday Loan?

The amount you can borrow with a payday loan typically ranges from $100 to $1,000, depending on state regulations and the lender's policies. It's based on your income and ability to repay.

Can Payday Loans Impact My Credit Score?

Most payday lenders do not report to credit bureaus, so timely repayment does not improve your credit score. However, if the loan goes into default and is sent to collections, it may negatively impact your credit.

What Are the Alternatives to Payday Loans?

Alternatives to payday loans include seeking assistance from family, personal installment loans, credit card advances, or local non-profit organizations offering financial assistance and counseling services.

What Happens if I Am Unable to Repay My Payday Loan on Time?

If you're unable to repay a payday loan on time, fees and interest may increase the total amount owed. It's important to contact the lender to discuss potential repayment plans or extensions to avoid further complications.

Are Payday Loans Regulated?

Payday loans are regulated by both state and federal laws, with each state having its own set of rules regarding terms, fees, and interest rates. It’s essential to review the regulations in your state before proceeding.

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