Johnson City 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 Johnson City

Eligibility Criteria for Personal Loans

  • Applicants must be at least 18 years old.
  • Valid identification is required for verification purposes.
  • Proof of stable income or financial support is necessary.
  • Applicants must provide contact information including phone number and email.
  • Bank account details are required for fund transfer.
  • No outstanding loans or recent defaults with our services.
  • Residency in the area serviced by the NGO is a must.
  • Agreement to the NGO's terms and conditions for financial assistance.

Trusted Short-term Loan Lenders in Johnson City, TN

Explore our curated list of trusted payday loan lenders offering fair and transparent terms, ensuring you receive the support you need with confidence and peace of mind.

Lender
User Ratings
Address
Phone
Category
1st Franklin Financial
User Raiting:
5.00
Address: 3120 E Oakland Ave, Johnson City, TN 37601
Phone: +1 (423) 979-0509
Category: Loan agency
Advance America
User Raiting:
4.90
Address: 509 N State of Franklin Rd Ste. 1, Johnson City, TN 37604
Phone: +1 (423) 926-7413
Category: Financial institution
Heights Finance
User Raiting:
4.60
Address: 3915 Bristol Hwy, Johnson City, TN 37601
Phone: +1 (423) 610-1132
Category: Loan agency
Advance Financial
User Raiting:
4.50
Address: 2920 N Roan St, Johnson City, TN 37601
Phone: +1 (423) 438-1342
Category: Loan agency
Advance Financial
User Raiting:
4.40
Address: 929 W Market St, Johnson City, TN 37604
Phone: +1 (423) 438-1676
Category: Loan agency
Cash Now Advance
User Raiting:
4.40
Address: 612 Lyle St #105, Johnson City, TN 37604
Phone: +1 (423) 929-7515
Category: Loan agency
Appalachian Lending
User Raiting:
4.30
Address: 1200 N Roan St, Johnson City, TN 37601
Phone: +1 (423) 232-8959
Category: Loan agency
Mariner Finance
User Raiting:
4.30
Address: 1065 Hamilton Pl, Johnson City, TN 37604
Phone: +1 (423) 328-7166
Category: Loan agency
Credit Central
User Raiting:
4.20
Address: 700 W Market St Suite 1, Johnson City, TN 37604
Phone: +1 (423) 979-0423
Category: Loan agency
Covington Credit
User Raiting:
4.00
Address: 600 N State of Franklin Rd #4, Johnson City, TN 37604
Phone: +1 (423) 929-3033
Category: Loan agency
Security Finance
User Raiting:
4.00
Address: 1012 W Market St STE 3, Johnson City, TN 37604
Phone: +1 (423) 929-8113
Category: Loan agency
The Cash Company - NorthSide
User Raiting:
3.90
Address: 2122 N Roan St #5, Johnson City, TN 37601
Phone: +1 (423) 952-2274
Category: Loan agency
Easy Money
User Raiting:
2.90
Address: 2221 N Roan St #1, Johnson City, TN 37601
Phone: +1 (423) 491-7100
Category: Financial institution
Truist
User Raiting:
1.90
Address: 1806 W Market St, Johnson City, TN 37604
Phone: +1 (423) 491-4010
Category: Bank
First Heritage Credit
User Raiting:
1.60
Address: 3101 Browns Mill Rd Ste 7, Johnson City, TN 37604
Phone: +1 (423) 232-6450
Category: Loan agency

What Are the Alternatives for Short-term Loans in Johnson City?

Discover safer, sustainable financial solutions that empower you beyond payday loans. Explore budgeting tools, community programs, and more to pave the way for lasting financial independence.

Installment Loans Quick

Installment loans are borrowed money repaid in set amounts over time, offering a predictable payback schedule with fixed monthly payments, making financial planning easier.

Instant Cash Loans

Instant cash loans provide quick, short-term financial help, offering immediate access to funds for urgent needs without extensive approval processes.

No Credit Check Title Loans

No credit check title loans use your vehicle title as collateral, offering a borrowing option even if you have a challenging credit history, but might carry significant risks.

Emergency Loans Fast

Emergency loans deliver swift financial assistance, intended for unexpected expenses, providing vital support during unforeseen financial crises.

Payday Loans Online

Payday loans online offer short-term borrowing options via digital platforms, providing speedy access to funds until your next paycheck arrives.

P2P Loans Guaranteed

P2P loans guaranteed involve borrowing from individuals through an online platform, facilitating personal lending agreements that bypass traditional financial institutions.

Online Debt Consolidation Loans

Online debt consolidation loans merge multiple debts into a single loan with reduced interest, streamlining payments to improve financial management.

Bad Credit Loans No Credit Check

Bad credit loans offering no credit check provide financing options for individuals with poor credit scores, making funds accessible despite financial challenges.

How to Apply for Online Short-term Loans in Johnson City

Research Lenders

Before applying for an online payday loan, start by researching various lenders to ensure you choose a reputable one. Look for reviews, ratings, and customer feedback to understand different lenders' reliability and trustworthiness. Pay attention to the interest rates, terms, and fees associated with each lender. Conducting thorough research will help you avoid predatory lenders and ensure you find a loan that best suits your financial situation. Make sure the lender is licensed to operate in your state or region.

Understand Loan Terms

Once you’ve identified potential lenders, take time to carefully read and understand the terms and conditions of the loan. Familiarize yourself with the interest rates, repayment schedules, and any associated fees or penalties for late payments. Being fully aware of the loan's terms will help you make an informed decision and prevent unexpected surprises that could lead to financial difficulties. If you have any questions or concerns, don’t hesitate to contact the lender for clarification before proceeding.

Gather Required Documents

Before beginning the application process, gather the necessary documents to expedite the approval process. Typically, you'll need proof of identity, income verification, bank statements, and employment details. Make sure these documents are up-to-date and readily accessible. Having all required documents on hand will streamline the application process and potentially reduce the time it takes for approval. Being organized demonstrates responsibility, which can be beneficial in securing a loan offer.

Complete the Application

Fill out the online application form provided by your chosen lender with accurate and complete information. Provide your personal details, employment information, and financial status as required. Double-check the information you provide to ensure its accuracy to avoid any processing delays or potential rejection. Once you've submitted the application, you should receive confirmation that it has been received. Most online applications are straightforward, allowing for a smoother process compared to traditional loan applications.

Review the Loan Offer

After submission, you'll receive a loan offer outlining the terms, interest rates, and repayment schedule. Carefully review this offer to ensure it aligns with your financial needs and capabilities. Consider whether the loan terms realistically fit your budget and repayment ability. If everything meets your expectations, accept the offer. If you find any discrepancies or if the terms are unfavorable, don’t hesitate to inquire further or explore other lender options before making your final decision.

Receive Funds

Once you’ve accepted the loan offer, follow the lender’s instructions to finalize the process, often requiring a digital signature. After completion, the funds are typically transferred directly into your designated bank account. This process can vary from a few minutes to a couple of days, depending on the lender’s procedures. Ensure you know when payments are due and commit to timely repayments to avoid late fees. Managing the loan responsibly is essential to maintain your financial health.

How to Use Short-term Loans - Useful Resources

Discover essential resources for effectively managing personal loans. Our guide offers tips and insights to help you navigate borrowing responsibly and making informed financial decisions. Explore now for smarter financing.

Industry
Address
Phone
Car Wash
Address: 2530 East Oakland Avenue, Johnson City, TN 37601
Phone: +1 (423) 282-0689
Clothing Shop
Address: Mall Service Rd Mcdonalds, Johnson City, TN 37604
Phone: +1 (423) 610-0981
Club & Association
Address: 90 Furnace Rd, Johnson City, TN 37601
Phone: +1 (423) 926-0221
College/University
Address: 1 Walker Drive, Johnson City, TN 37601
Phone: +1 (423) 926-1451
Community Center
Address: 2020 Northpark Dr, Johnson City, TN 37604
Phone: +1 (423) 926-0164
Dentist
Address: 2800 Peoples Street, Johnson City, TN 37604
Phone: +1 (423) 928-0345
Government Office
Address: 224 East Myrtle Avenue, Johnson City, TN 37601
Phone: +1 (423) 434-5254
Hotel
Address: 2 Orr Court, Johnson City, TN 37615
Phone: +1 (423) 328-0500
Library
Address: 2700 South Roan Street, Johnson City, TN 37601
Phone: +1 (423) 926-2951
Local Post Office
Address: 530 East Main Street, Johnson City, TN 37601
Phone: +1 (800) 275-8777
Museum
Address: 407 East Market Street, Johnson City, TN 37601
Phone: +1 (423) 434-0816
Other Repair Shops
Address: 2810 West Market Street, Johnson City, TN 37604
Phone: +1 (423) 328-0595
Pharmacy
Address: 208 Suncrest Street, Johnson City, TN 37615
Phone: +1 (423) 477-3847
Pizzeria
Address: 2929 North Roan Street, Johnson City, TN 37601
Phone: +1 (423) 928-6356
Rent-a-Car Facility
Address: 200 Water Street, Johnson City, TN 37601
Phone: +1 (423) 218-0010

How to Get to Johnson City

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 Johnson City

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 short-term cash advances designed to help individuals cover immediate expenses until their next paycheck. Upon approval, the loan amount is deposited into your bank account, typically within 24 hours.

Who Can Apply for a Payday Loan?

Anyone who is 18 years or older with a steady income and an active bank account can apply for a payday loan. Bad credit does not automatically disqualify you, as payday lenders often focus on income rather than credit scores.

What Is the Typical Loan Amount for a Payday Loan?

Payday loans usually range from $100 to $1,500, depending on your income and the regulations in your state. These fast loans are intended for small financial emergencies requiring quick resolution.

How Quickly Can I Get the Money?

Payday loans are often referred to as instant loans because of their fast processing times. Once approved, you can typically receive the funds within one business day.

What Are the Common Uses for Payday Loans?

Payday loans are commonly used for emergency expenses like car repairs, medical bills, or unexpected utility payments. They serve as a quick solution for pressing financial needs.

Do Payday Loans Affect My Credit Score?

Payday loans are unlikely to affect your credit score directly, as most lenders do not report these loans to major credit bureaus unless they go into serious default. Timely repayment, however, prevents collection actions that could impact credit.

Are There Alternatives to Payday Loans?

Alternatives to payday loans include personal loans from a bank or credit union, borrowing from friends or family, or negotiating payment plans with creditors. Each option can provide relief in different ways, depending on your situation.

What Should I Know About Payday Loan Interest Rates?

Payday loans often have higher interest rates than traditional personal loans. It is crucial to understand the total repayment cost, including fees, before agreeing to the terms.

Can I Renew or Extend My Payday Loan?

Some lenders offer rollovers or extensions for additional fees, but these can significantly increase your debt burden. Always try to pay off your short-term loan on time to avoid further financial strain.

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

If you're unable to repay your payday loan, contact your lender immediately. Options may include setting up a repayment plan. Ignoring the problem can lead to increased fees and debt collection efforts.

How Can I Protect Myself from Predatory Lenders?

To protect yourself, research lenders thoroughly, read all loan documents carefully, and ensure they comply with state regulations. Prioritize transparent, reputable lenders with positive reviews.

Tennessee Short-term Loans Near Me

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