Dyersburg 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 Dyersburg

Eligibility Criteria for Personal Loans

  • Applicant must be at least 18 years old.
  • Valid government-issued ID required for verification.
  • Proof of steady income or employment necessary.
  • Active bank account for direct fund transfer.
  • Contact details, including phone number and email, must be provided.
  • Residential address verification with recent utility bill.
  • No outstanding loans or defaults within the last 12 months.
  • Consent to a soft credit check as part of the assessment process.

Trusted Short-term Loan Lenders in Dyersburg, TN

Explore our curated list of trusted payday loan lenders, committed to providing transparent, reliable financial solutions that cater to your urgent needs with dignity and respect.

Lender
User Ratings
Address
Phone
Category
Cash Master
User Raiting:
5.00
Address: 1823 St John Ave, Dyersburg, TN 38024
Phone: +1 (731) 287-7105
Category: Loan agency
Cash Master
User Raiting:
5.00
Address: 2391 Lake Rd, Dyersburg, TN 38024
Phone: +1 (731) 285-7711
Category: Loan agency
1st Franklin Financial
User Raiting:
5.00
Address: 1130 TN-3 W, Dyersburg, TN 38024
Phone: +1 (731) 286-6400
Category: Loan agency
State Finance
User Raiting:
5.00
Address: 2450 Lake Rd # B, Dyersburg, TN 38024
Phone: +1 (731) 285-9669
Category: Loan agency
Advance America
User Raiting:
5.00
Address: 2450 Lake Rd F1, Dyersburg, TN 38024
Phone: +1 (731) 285-9169
Category: Financial institution
Covington Credit
User Raiting:
5.00
Address: 2387 Lake Rd, Dyersburg, TN 38024
Phone: +1 (731) 334-5020
Category: Loan agency
World Finance
User Raiting:
4.70
Address: 575 Mall Blvd B, Dyersburg, TN 38024
Phone: +1 (731) 285-3550
Category: Loan agency
Credit Central
User Raiting:
4.60
Address: 640 US Highway 51 Bypass E, Suite H, Dyersburg, TN 38024
Phone: +1 (731) 287-3539
Category: Loan agency

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

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 Fast

Installment loans allow borrowers to repay their loans over a set schedule with fixed payments, making them suitable for larger expenses needing predictable payback.

Instant Cash Loans

Instant cash loans provide quick access to funds when you face unexpected expenses, typically with minimal approval time and straightforward application processes.

Guaranteed Title Loans

Guaranteed title loans use your vehicle as collateral, offering quick funding based on its value, though risking forfeiture if not repaid timely.

Emergency Loans Online

Emergency loans online cater to urgent financial needs, providing immediate access to funds through a simplified digital application process without extensive paperwork.

Payday Loans Online Quick

Payday loans online quick offer small, short-term financing accessible over the internet, typically requiring repayment by the borrower's next paycheck.

P2P Loans No Credit Check

P2P loans no credit check enable individuals to borrow from other individuals via online platforms, often offering flexible terms and competitive rates.

Debt Consolidation Loans Guaranteed

Debt consolidation loans guaranteed combine multiple debts into one, simplifying payments and possibly lowering interest rates, thus assisting in easier debt management.

Bad Credit Loans Fast

Bad credit loans fast are designed for individuals with poor credit scores, offering quicker approval despite financial history, often at higher interest rates.

How to Apply for Online Short-term Loans in Dyersburg

Research and Choose a Reputable Lender

The initial phase of applying for online payday loans involves conducting fine research to select a reliable and reputable lender. Look for customer reviews, verify licenses, and compare various lenders based on interest rates and terms. Reputability is key, as credible lenders adhere to strict state and federal regulations designed to protect consumers. This research not only helps avoid scammers but also ensures you find a lender that meets your financial needs while offering transparent terms.

Gather Necessary Personal Information

Before starting the application, compile all essential personal details required by lenders. Typically, this includes identification information such as your name, address, social security number, and employment details like your employer’s name and contact information. Lenders also require income data to assess repayment ability. Having this information ready ahead of time will streamline the application process, allowing you to move directly from one step to the next without delays, ensuring a more efficient loan application.

Complete the Online Application Form

Once you have selected your lender and organized your personal information, proceed to fill out the online application form. This form will ask for all gathered details, including your contact information, income specifics, and bank account number for potential fund transfer. Ensure accuracy when filling out each section, as incorrect or mismatched information can delay the approval process. Take your time to review your entries before submitting to prevent any potential setbacks or misunderstandings that might arise.

Review the Loan Terms and Conditions

After submitting your application, carefully review the loan offer provided by the lender. This includes the interest rate, repayment schedule, and any additional fees or penalties. Understanding these terms is crucial as they directly impact your repayment plan. If any part of the loan terms is unclear, do not hesitate to contact the lender for clarification. This ensures you are fully informed and comfortable with the financial commitment you are about to undertake before you proceed with accepting the loan.

Accept the Loan and Receive Funds

If satisfied with the terms, proceed to formally accept the loan offer. This usually involves electronically signing the agreement, signifying your understanding and consent to all conditions outlined. Once completed, the lender will typically transfer the loan amount directly into your bank account, often within the same day or up to a few business days. Ensure you save copies of all agreements and communications for future reference, as they might be needed in case of disputes or queries.

How to Use Short-term Loans - Useful Resources

Explore comprehensive resources on effectively utilizing personal loans, including tips, guidelines, and best practices to manage short-term financial needs responsibly and improve financial literacy.

Industry
Address
Phone
Beauty Salon
Address: 2095 Saint John Avenue, Dyersburg, TN 38024
Phone: +1 (731) 285-7595
Car Repair and Service
Address: 286 Highway 210 South, Dyersburg, TN 38024
Phone: +1 (731) 478-6400
Car Wash
Address: 1495 US Highway 51 Bypass North, Dyersburg, TN 38024
Phone: +1 (731) 286-0953
College/University
Address: 151 Everett Avenue, Dyersburg, TN 38024
Phone: +1 (731) 286-7821
Dentist
Address: 1950 US Highway 51 Bypass North, Dyersburg, TN 38024
Phone: +1 (731) 285-9191
Doctor
Address: 1716 Parr Avenue, Dyersburg, TN 38024
-
Government Office
Address: 320 South Church Avenue, Dyersburg, TN 38024
Phone: +1 (731) 287-8551
Hospital
Address: 1575 Parr Avenue, Dyersburg, TN 38024
Phone: +1 (731) 286-1510
Local Post Office
Address: 5520 Highway 104 West, Dyersburg, TN 38030
Phone: +1 (800) 275-8777
Motel
Address: 2331 Lake Road, Dyersburg, TN 38024
Phone: +1 (731) 287-0044
Museum
Address: 1501 Lake Road, Dyersburg, TN 38024
Phone: +1 (731) 286-3200
Pharmacy
Address: 470 US Highway 51 Bypass North, Dyersburg, TN 38024
Phone: +1 (731) 285-5433
Rent-a-Car Facility
Address: 1901 Saint John Avenue, Dyersburg, TN 38024
Phone: +1 (731) 882-3186
Sandwich Restaurant
Address: 2389 Lake Road, Dyersburg, TN 38024
Phone: +1 (731) 285-5025
Sports Center
Address: 1175 Radio Road, Dyersburg, TN 38024
Phone: +1 (731) 287-0685

How to Get to Dyersburg

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 Dyersburg

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 loans designed to provide immediate financial assistance for personal emergencies. These loans typically have a quick approval process and are expected to be repaid by your next paycheck. Although convenient, they often carry higher interest rates.

Can People with Bad Credit Qualify for Payday Loans?

Yes, individuals with bad credit can often qualify for payday loans. Lenders focus less on credit scores and more on your current employment and income status. However, the interest rates may be higher for those with poor credit history, making it essential to consider alternatives before applying.

What Are the Potential Risks of Taking Out a Payday Loan?

Payday loans can lead to a cycle of debt if not managed carefully. Their high interest rates and short repayment terms might cause borrowers to roll over loans, accruing additional fees and interest. It is crucial to borrow only what you can repay and explore other financial options if available.

How Quickly Can One Receive the Funds from a Payday Loan?

Payday loans are often referred to as instant or fast loans because they are usually processed quickly. Once approved, funds can typically be available within one business day. This speed makes them suitable for emergency financial situations.

Are There Alternatives to Payday Loans?

Yes, several alternatives can be considered before opting for a payday loan. These include negotiating a payment plan with creditors, using credit union loans, or seeking help from family and friends. Each option has its benefits and may offer more favorable repayment terms.

Do Payday Loans Affect Credit Scores?

Payday loans usually do not affect your credit score because lenders often do not report them to credit bureaus. However, failure to repay may lead to collection activities, which can adversely affect your credit score if reported.

What Are the Typical Costs Associated with Payday Loans?

The costs of payday loans can include the principal amount borrowed, high interest rates, and various fees that can accumulate quickly. It is essential to understand these costs upfront to avoid unexpected financial strain.

How Are Payday Loans Repaid?

Payday loans are generally repaid through a direct debit from your bank account on the due date, typically corresponding to your next payday. It's crucial to ensure sufficient funds are in the account to avoid overdraft fees and additional penalties.

Can Payday Loans Be Renewed or Rolled Over?

Some lenders offer the option to renew or roll over payday loans, extending the repayment period. However, this usually incurs additional fees and interest, increasing the overall cost of the loan. It is recommended to avoid rollovers to limit financial burden.

What Should One Consider Before Applying for a Payday Loan?

Before applying, assess your financial situation and determine if a payday loan is the best option. Consider the total cost of the loan, your ability to repay it, and explore alternative sources of funding. Responsible borrowing and careful planning are key to avoiding debt cycles.

What Are the Common Eligibility Criteria for Payday Loans?

To qualify for a payday loan, borrowers typically need to meet certain criteria, such as being at least 18 years old, having a regular source of income, and possessing an active bank account. These requirements may vary between lenders, so it's important to verify specifics before applying.

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