Dickson 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 Dickson

Eligibility Criteria for Personal Loans

  • Valid identification: Government-issued ID such as a passport or driver's license.
  • Proof of residency: Recent utility bill or lease agreement.
  • Active bank account: A checking account in good standing.
  • Proof of income: Recent pay stubs or bank statements.
  • Contact information: Current phone number and email address.
  • Age requirement: Must be at least 18 years old.
  • Emergency justification: Brief explanation of the urgent need for funds.

Trusted Short-term Loan Lenders in Dickson, TN

Explore our curated list of trusted payday loan lenders, dedicated to providing transparent, reliable, and ethical financial solutions to meet your short-term funding needs with confidence and peace of mind.

Lender
User Ratings
Address
Phone
Category
Security Finance
User Raiting:
5.00
Address: 251 Dickson Plaza Dr, Dickson, TN 37055
Phone: +1 (615) 446-1144
Category: Loan agency
Americash
User Raiting:
5.00
Address: 418 TN-46, Dickson, TN 37055
Phone: +1 (615) 446-1918
Category: Check cash
State Finance
User Raiting:
5.00
Address: 1829 C Highway 46 South, Dickson, TN 37055
Phone: +1 (615) 441-5787
Category: Loan agency
Check Into Cash
User Raiting:
4.90
Address: 8 Mathis Dr, Dickson, TN 37055
Phone: +1 (615) 446-1003
Category: Financial institution
Heights Finance
User Raiting:
4.80
Address: 261 Dickson Plaza Dr, Dickson, TN 37055
Phone: +1 (615) 441-3000
Category: Loan agency
LoanMaster
User Raiting:
4.80
Address: 1828 TN-46, Dickson, TN 37055
Phone: +1 (615) 441-3422
Category: Loan agency
World Finance
User Raiting:
4.80
Address: 695 Hwy 70 E, Dickson, TN 37055
Phone: +1 (615) 740-0330
Category: Loan agency
Credit Central
User Raiting:
4.70
Address: 1829 Highway 46 S, Suite D, Dickson, TN 37055
Phone: +1 (615) 446-6079
Category: Loan agency
Advance Financial
User Raiting:
4.40
Address: 119 Mathis Dr, Dickson, TN 37055
Phone: +1 (615) 696-6282
Category: Loan agency
Covington Credit
User Raiting:
4.30
Address: 239 Dickson Plaza Dr, Dickson, TN 37055
Phone: +1 (615) 446-0286
Category: Loan agency
OneMain Financial
User Raiting:
4.00
Address: 137 Henslee Dr, Dickson, TN 37055
Phone: +1 (615) 441-4765
Category: Loan agency

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

Explore various financial solutions beyond payday loans, offering safer and more manageable options to alleviate financial stress and foster long-term financial stability.

Installment Loans Online

Installment loans allow borrowers to repay principal and interest in scheduled payments over a set period. Often available online, these loans cater to various financial needs with flexible terms.

Quick Cash Loans

Quick cash loans provide immediate funds for unexpected expenses. Typically short-term, these loans have higher interest rates, making them suitable for urgent financial situations.

Instant Title Loans

Instant title loans use your vehicle title as collateral. They offer fast approval but require timely repayment to avoid losing your asset, commonly attracting higher interest rates.

Emergency Loan Guaranteed

Emergency loan guaranteed solutions are designed for urgent, unforeseen expenses, often with guaranteed approval. These loans can have flexible terms but may come with higher rates and fees.

Payday Loans Online

Payday loans online provide small, short-term loans until your next paycheck. Accessible 24/7, they come with high fees and interest, encouraging cautious borrowing.

Fast P2P Loans

Fast P2P loans connect borrowers directly with lenders via online platforms, often offering lower interest rates. These peer-to-peer loans expedite funding for various needs.

Instant Debt Consolidation Loans

Instant debt consolidation loans combine multiple debts into one with a single payment, potentially lowering interest rates. These loans simplify repayment and can improve financial organization.

Bad Credit Loans No Credit Check

Bad credit loans no credit check cater to individuals with poor credit histories. They often have higher interest rates but provide essential financial resources without initial credit evaluations.

How to Apply for Online Short-term Loans in Dickson

Research and Compare Lenders

Begin by researching various online payday lenders. Look for reputable companies with positive reviews and transparent terms. Compare the interest rates, repayment terms, and additional fees of each lender. It's crucial to ensure the lender is licensed and adheres to state regulations. Online forums and review platforms can be useful resources to gauge the lender's reliability. By taking the time to compare different options, you can find a loan that best fits your financial needs and situation.

Check Eligibility Criteria

Before applying, verify the eligibility criteria for each lender. Most lenders require you to be at least 18 years old, have a steady income, and hold an active checking account. Some lenders may also check your credit score. Ensure you meet all the requirements to avoid rejection. Understanding the criteria can save time and help you make informed decisions. Make a list of lenders whose criteria you meet, and focus your applications on those options for better chances of approval.

Gather Required Documents

Prepare all necessary documentation beforehand to streamline the application process. Most payday loan applications require proof of income, such as pay stubs or bank statements, proof of identity, and proof of residency. Having digital copies of these documents ready will save you time when completing the application. Ensure all information is up-to-date and accurate to prevent delays in processing. This preparation will make the application smoother and increase the likelihood of receiving the loan swiftly.

Complete the Online Application

Fill out the online application form on the lender's website. Enter your personal, employment, and financial information accurately. Many applications are straightforward and can be completed within minutes. Double-check all entries for mistakes to avoid potential delays. Some lenders offer instant decisions, so be prepared to agree to the terms if you're approved. Read through the terms and conditions carefully before submitting your application to ensure you understand the loan agreement and any associated fees.

Review and Accept Loan Terms

Once approved, carefully review the loan agreement provided by the lender. Take note of the interest rate, repayment schedule, and any fees associated with the loan. Ensure the terms are clear and agreeable before accepting the offer. If any part of the agreement is unclear, contact the lender for clarification. Accepting the loan terms signifies your commitment to the repayment schedule, so ensure you are comfortable with the conditions. After acceptance, the loan amount is typically deposited into your account quickly.

How to Use Short-term Loans - Useful Resources

Discover essential resources and tips on using personal loans wisely. Our guide offers insights to help you navigate financial challenges effectively and make informed borrowing decisions.

Industry
Address
Phone
Car Repair and Service
Address: 113 Sylvis Street, Dickson, TN 37055
Phone: +1 (615) 446-2284
Car Wash
Address: 111 Martin Luther King Junior Boulevard, Dickson, TN 37055
Phone: +1 (615) 560-9550
Club & Association
Address: 115 Henslee Drive, Dickson, TN 37055
Phone: +1 (615) 945-8082
College/University
Address: 855 Highway 46 South, Dickson, TN 37055
Phone: +1 (615) 441-9513
Dentist
Address: 134 Henslee Drive, Dickson, TN 37055
-
Fitness Club & Center
Address: 100 Payne Springs Road, Dickson, TN 37055
Phone: +1 (615) 446-3800
Florists
Address: 104 Church Street, Dickson, TN 37055
Phone: +1 (615) 446-2811
Government Office
Address: 115 Sylvis Road, Dickson, TN 37055
Phone: +1 (615) 446-2638
Hospital
Address: 111 Highway 70 East, Dickson, TN 37055
Phone: +1 (615) 446-0446
Hotel
Address: 2338 Highway 46 South, Dickson, TN 37055
Phone: +1 (615) 446-0541
Ice Cream Parlor
Address: 500 East Walnut Street, Dickson, TN 37055
Phone: +1 (615) 446-2142
Museum
Address: 123 North Main Street, Dickson, TN 37055
Phone: +1 (615) 446-7215
Pharmacy
Address: 204 East Railroad Street, Dickson, TN 37055
Phone: +1 (615) 446-2142
Rent-a-Car Facility
Address: 102 Skyline Circle, Dickson, TN 37055
Phone: +1 (615) 441-1232
Specialist
Address: 196 Hillview Street, Dickson, TN 37055
Phone: +1 (615) 375-1461

How to Get to Dickson

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 Dickson

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 are a form of short-term borrowing where a lender offers you immediate cash in exchange for your promise to repay the loan, usually on your next payday. These loans are designed to provide quick financial relief for emergencies and are typically repaid with interest.

Who Qualifies for a Payday Loan?

Most payday loan providers do not require a high credit score. More often, they focus on your current income to ensure you can repay the loan. Be prepared to provide proof of income, a valid ID, and an active bank account during the application process.

How Fast Can I Get a Payday Loan?

Payday loans are known for their rapid approval and disbursement process. In many cases, you may receive the loan amount in your bank account within the same day or within 24 hours of approval, making them an ideal choice for urgent financial needs.

Are Payday Loans Expensive?

Due to the high risk for lenders, payday loans often come with higher interest rates compared to traditional loans. It's crucial to review and understand the terms before committing to ensure that the cost is manageable for your situation.

Can I Get a Payday Loan with Bad Credit?

Yes, many lenders offer payday loans to individuals with poor or no credit history. Since payday loans are repaid directly from your upcoming paycheck, the primary requirements generally focus on your income rather than your credit score.

What Happens if I Can't Repay My Payday Loan?

If you're unable to repay your loan on time, you should contact your lender immediately. Many lenders offer options such as extensions, although these might include additional fees. It's essential to understand the consequences and renegotiate terms wherever possible.

Is Applying for a Payday Loan Secure?

Reputable payday loan providers use advanced security measures to protect your personal information. Always ensure you are dealing with a trustworthy lender and avoid sharing sensitive information through unsecured channels.

What Are the Risks of Payday Loans?

Beyond high interest rates, payday loans may trap borrowers in a cycle of debt if not managed properly. Ensure you have a clear plan to pay back the loan promptly and avoid borrowing more than you can afford.

Are Payday Loans Available Online?

Yes, many lenders offer online payday loans, which are convenient and fast. The online application process allows you to apply for a cash advance from the comfort of your home, with decisions often made within minutes.

Can I Use a Payday Loan for Any Purpose?

Payday loans are flexible and can be used for a variety of personal needs. Whether it's covering an unexpected bill, a medical emergency, or any immediate expense, these loans provide fast and accessible funding.

How Do Payday Loans Affect My Credit Score?

Payday loans typically do not impact your credit score since they're not reported to major credit bureaus. However, defaulting could lead to collections, which can negatively affect your credit. Always pay your loans on time to avoid adverse outcomes.

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