Elizabethton 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 Elizabethton

Eligibility Criteria for Personal Loans

  • Valid government-issued photo ID
  • Proof of stable income or employment verification
  • Active bank account details
  • Complete application form with accurate personal information
  • Proof of residence, such as a utility bill or lease agreement
  • Minimum age requirement: 18 years or older
  • Consent to a credit check (if applicable)
  • Contact information including phone number and email address
  • Repayment plan agreement and understanding of terms

Trusted Short-term Loan Lenders in Elizabethton, TN

Explore our curated list of trusted payday loan lenders, committed to offering transparent, reliable, and ethical financial solutions to help you manage short-term financial needs with confidence.

Lender
User Ratings
Address
Phone
Category
Appalachian Lending
User Raiting:
5.00
Address: 1970 W Elk Ave, Elizabethton, TN 37643
Phone: +1 (423) 542-3353
Category: Loan agency
Advance Financial
User Raiting:
4.90
Address: 369 W Elk Ave, Elizabethton, TN 37643
Phone: +1 (423) 761-0191
Category: Loan agency
Credit Central
User Raiting:
4.80
Address: 545 E Elk Ave, Elizabethton, TN 37643
Phone: +1 (423) 542-5915
Category: Loan agency
Covington Credit
User Raiting:
4.80
Address: 505 Broad St, Elizabethton, TN 37643
Phone: +1 (423) 542-6099
Category: Loan agency
Cash Express
User Raiting:
4.80
Address: 1825 W Elk Ave, Elizabethton, TN 37643
Phone: +1 (423) 542-0009
Category: Loan agency
1st Franklin Financial
User Raiting:
4.60
Address: 137 Hudson Dr, Elizabethton, TN 37643
Phone: +1 (423) 542-2748
Category: Loan agency
World Finance
User Raiting:
4.30
Address: 731 W Elk Ave Ste B2A, Elizabethton, TN 37643
Phone: +1 (423) 542-9886
Category: Loan agency
Service Loan Co.
User Raiting:
4.00
Address: 602 E Elk Ave, Elizabethton, TN 37643
Phone: +1 (423) 543-3116
Category: Loan agency
Service Business Loan Co
User Raiting:
3.40
Address: 727 W Elk Ave, Elizabethton, TN 37643
Phone: +1 (423) 482-8446
Category: Loan agency
Security Finance
User Raiting:
2.30
Address: 104-b Broad St, Elizabethton, TN 37643
Phone: +1 (423) 542-0448
Category: Loan agency

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

Explore safer, sustainable financial solutions beyond payday loans, emphasizing flexibility, reduced interest, and community support to foster financial stability and personal empowerment for vulnerable individuals.

Quick Installment Loans

Installment loans are borrowing options allowing repayment over multiple, scheduled payments. They're typically used for larger purchases, providing flexibility with their repayment structure.

Guaranteed Cash Loans

Cash loans provide immediate funds for various needs. Often unsecured, these loans focus on speed, offering almost instant access to necessary cash without extensive approval processes.

Fast Title Loans

Title loans use a vehicle title as collateral. They grant fast access to funds, but it's important to repay to avoid risking your vehicle ownership.

Instant Emergency Loan

Emergency loans deliver quick financial relief during unforeseen circumstances. Their primary appeal is speed, supporting urgent financial needs without lengthy approval.

Payday Loans Online

Payday loans are short-term, small-dollar loans designed for quick repayment on the borrower's next payday. Online options offer increased accessibility and convenience.

No Credit Check P2P Loans

P2P (peer-to-peer) loans connect borrowers with individual investors. Often available with no credit check, these loans provide alternative funding sources without traditional financial institutions.

Debt Consolidation Loans Online

Debt consolidation loans combine multiple debts into a single payment. Online options offer streamlined processes, helping to simplify and manage debt efficiently.

Bad Credit Loans Instant

Bad credit loans cater to individuals with low credit scores. They provide an instant solution for those who may face difficulties securing traditional forms of credit.

How to Apply for Online Short-term Loans in Elizabethton

Research Lenders and Choose One

Begin by conducting thorough research on online payday loan providers. Look for reputable lenders with transparent terms and positive reviews. Pay attention to interest rates, repayment terms, and any additional fees. Choose a lender that aligns with your financial needs and has a strong reputation. Consider verifying their legitimacy through customer testimonials or accreditation from financial bodies. Taking the time to research will help you avoid predatory lenders and ensure a safer borrowing experience.

Gather Required Documentation

Once you've selected a lender, gather the necessary documents needed to complete the application. This typically includes proof of income, identification, and bank account information. Having these documents readily available will expedite the application process. Ensure that all documents are current and legible to avoid delays or rejections. Preparing these materials in advance will help you meet any application deadlines and demonstrate your credibility as a borrower.

Complete the Online Application Form

Navigate to the lender's website and fill out their online application form. Provide accurate personal information, as any discrepancies can lead to application denial. Be prepared to disclose your employment details and financial information securely. Take your time to review each section before submission to minimize errors. A correctly completed application form reflects your commitment and increases the likelihood of prompt approval from the lender.

Review Loan Terms and Conditions

Before finalizing your application, thoroughly review the loan terms and conditions provided by the lender. Pay close attention to details such as interest rates, repayment schedules, and potential penalties. Ensure you fully understand your responsibilities to avoid surprises during repayment. If there is any confusion, seek clarification from the lender. A comprehensive understanding of the loan agreement helps you make informed decisions and ensures you are comfortable with the commitment.

Submit Your Application and Wait for Approval

After reviewing all details, submit your completed application. The lender will review your information and make an approval decision, often within minutes. Some lenders may contact you for additional verification, so stay accessible through the contact information provided. Once approved, the funds are typically deposited directly into your bank account. This final step requires patience, but knowing the process helps you anticipate the timeframe for receiving the loan.

How to Use Short-term Loans - Useful Resources

Explore how to effectively use personal loans for financial emergencies with our curated resources, offering guidance and tools for responsible borrowing and money management.

Industry
Address
Phone
Car Repair and Service
Address: 2226 West Elk Avenue, Elizabethton, TN 37643
Phone: +1 (423) 542-4136
Car Wash
Address: 322 South Sycamore Street, Elizabethton, TN 37643
Phone: +1 (423) 366-4402
Club & Association
Address: 288 Lovers Lane, Elizabethton, TN 37643
Phone: +1 (423) 542-5454
College/University
Address: 386 Highway 91, Elizabethton, TN 37643
Phone: +1 (423) 547-8334
Dentist
Address: 113 Charlie Robinson Drive, Elizabethton, TN 37643
Phone: +1 (423) 543-5220
Fitness Club & Center
Address: Franklin Club Road, Elizabethton, TN 37643
Phone: +1 (423) 542-9466
General Practitioner
Address: 1500 West Elk Avenue, Elizabethton, TN 37643
Phone: +1 (423) 282-5054
Government Office
Address: 729 South Sycamore Street, Elizabethton, TN 37643
Phone: +1 (423) 547-8601
Hotel/Motel
Address: 141 Steel Bridge Road, Elizabethton, TN 37643
Phone: +1 (423) 542-6033
Mexican Restaurant
Address: 508 Broad Street, Elizabethton, TN 37643
Phone: +1 (423) 543-2033
Museum
Address: 1651 West Elk Avenue, Elizabethton, TN 37643
Phone: +1 (423) 543-5808
Pharmacy
Address: 402 Bemberg Road, Elizabethton, TN 37643
Phone: +1 (423) 543-6821
Shop
Address: South Sycamore Street, Elizabethton, TN 37643
Phone: +1 (423) 542-5421
Veterinarian
Address: 201 North Sycamore Street, Elizabethton, TN 37643
Phone: +1 (423) 542-6091

How to Get to Elizabethton

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 Elizabethton

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 loans typically designed for immediate personal emergencies. Borrowers usually provide their payment information to secure the loan, which is due in full on their next payday. It's a fast loan option for those facing urgent financial needs.

Can I Get a Payday Loan with Bad Credit?

Yes, payday loans are accessible even to individuals with bad credit, as credit checks are often minimal or not required. Lenders focus primarily on the borrower's income and ability to repay the loan, making it a suitable option for those with poor credit histories.

What Is the Typical Amount of a Payday Loan?

Payday loans usually range from $100 to $1,000, depending on state regulations and the lender's terms. It's essential to borrow only what is needed for immediate emergencies to avoid excessive fees and interest.

How Long Do I Have to Repay a Payday Loan?

The repayment term for a payday loan is generally short, typically ranging from two to four weeks. The loan amount, plus any fees and interest, is usually due on your next payday, which varies by lender.

What Fees Are Associated with Payday Loans?

Payday loans often come with high fees and interest rates. These costs vary by lender and jurisdiction, so it's crucial to review the terms thoroughly. Repayment schedules and total costs should be well understood before proceeding.

Are Instant Payday Loans Safe?

Instant payday loans from reputable lenders can be safe for addressing emergency needs. However, it's vital to research the lender, ensuring they are licensed, transparent, and compliant with local regulations to avoid predatory lending practices.

Can I Get a Payday Loan Online?

Yes, many lenders offer payday loans online, providing a convenient option for fast loans. Online applications often result in quicker approvals and fund disbursements. However, always verify the lender's authenticity before sharing personal information.

What Should I Do if I Can't Repay My Payday Loan on Time?

If you're unable to repay on time, contact your lender immediately to discuss potential repayment options, such as an extended repayment plan. It's essential to explore all possible solutions to avoid further fees and damage to your credit.

Can Payday Loans Affect My Credit Score?

Most payday lenders do not report to credit bureaus unless the loan defaults and is sent to collections, which can negatively impact your credit score. Responsible borrowing and timely repayments are crucial to maintaining healthy credit.

How Can I Avoid Falling into a Payday Loan Cycle?

To avoid dependency on payday loans, consider creating a budget, building an emergency fund, and exploring alternative sources of credit. Financial counseling and educational resources are also valuable tools for managing personal finances responsibly.

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