Kingsport 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.

Table of content
Jump to
Tennessee Kingsport

Eligibility Criteria for Personal Loans

  • Valid government-issued ID for identity verification.
  • Proof of income or recent pay stubs to establish financial stability.
  • Active checking account with direct deposit capabilities.
  • Contact details including a reliable phone number and email address.
  • Completed application form with accurate and up-to-date information.
  • Consent to perform a soft credit check as part of the assessment process.
  • Agreement to terms and conditions of the cash advance program.

Trusted Short-term Loan Lenders in Kingsport, TN

Discover reliable payday loan lenders through our NGO, dedicated to connecting you with trustworthy financial solutions, ensuring transparency and responsible lending to meet your urgent financial needs.

Lender
User Ratings
Address
Phone
Category
Security Finance
User Raiting:
5.00
Address: 421 W Stone Dr STE 5, Kingsport, TN 37660
Phone: +1 (423) 245-1429
Category: Loan agency
World Finance
User Raiting:
5.00
Address: 1101 E Stone Dr Suite 7, Kingsport, TN 37660
Phone: +1 (423) 251-8745
Category: Loan agency
Advance Financial
User Raiting:
5.00
Address: 4270 Fort Henry Dr, Kingsport, TN 37663
Phone: +1 (423) 438-1435
Category: Loan agency
Advance Financial
User Raiting:
5.00
Address: 2357 Fort Henry Dr, Kingsport, TN 37664
Phone: +1 (423) 972-4796
Category: Loan agency
Advance America
User Raiting:
5.00
Address: 1425 E Stone Dr Suite 4, Kingsport, TN 37660
Phone: +1 (423) 392-1994
Category: Financial institution
Credit Central
User Raiting:
4.90
Address: 1567 N Eastman Rd Suite 3B, Kingsport, TN 37664
Phone: +1 (423) 245-2840
Category: Loan agency
Advance America
User Raiting:
4.90
Address: 1233 N Eastman Rd Ste. 320, Kingsport, TN 37664
Phone: +1 (423) 245-1031
Category: Financial institution
Mariner Finance
User Raiting:
4.90
Address: 1233 N Eastman Rd Suite 325, Kingsport, TN 37664
Phone: +1 (423) 245-1350
Category: Loan agency
Tennessee's Best Finance
User Raiting:
4.80
Address: 1409 E Stone Dr, Kingsport, TN 37664
Phone: +1 (423) 578-2378
Category: Loan agency
Appalachian Lending
User Raiting:
4.70
Address: 2705 Fort Henry Dr, Kingsport, TN 37664
Phone: +1 (423) 530-7213
Category: Loan agency
1st Franklin Financial
User Raiting:
4.60
Address: 1001 E Stone Dr Suite C, Kingsport, TN 37660
Phone: +1 (423) 230-6482
Category: Loan agency
Service business Loan Co
User Raiting:
4.60
Address: 1425 E Stone Dr #5, Kingsport, TN 37660
Phone: +1 (423) 840-8238
Category: Loan agency
Advance Financial
User Raiting:
4.50
Address: 1104 E Stone Dr, Kingsport, TN 37660
Phone: +1 (423) 438-1765
Category: Loan agency
World Finance
User Raiting:
4.40
Address: 1001 E Stone Dr Ste F, Kingsport, TN 37660
Phone: +1 (423) 378-0098
Category: Loan agency
Covington Credit
User Raiting:
3.40
Address: 1732 N Eastman Rd Suite 2-A, Kingsport, TN 37664
Phone: +1 (423) 245-1097
Category: Loan agency
Southeastern Lending
User Raiting:
1.00
Address: 711 W Stone Dr, Kingsport, TN 37660
Phone: +1 (423) 343-7700
Category: Loan agency

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

Explore sustainable, cost-effective solutions to payday loans, including credit unions, personal loans, and community resources, offering financial stability without the burden of exorbitant interest rates.

Installment Loans Fast

Installment loans provide borrowers with a set amount of money repaid through scheduled payments. This fast option often offers fixed interest rates, simplifying budgeting for frequent loan users.

Guaranteed Cash Loans

Guaranteed cash loans offer immediate access to funds without collateral, typically requiring proof of income. This ensures quick financing that can be secured even through assured approval processes.

Title Loans Instant

Instant title loans require vehicle titles as collateral, providing borrowers with swift access to funds. Loan amounts depend on the vehicle's value, with lending decisions made rapidly.

No Credit Check Emergency Loan

No credit check emergency loans grant immediate funds for urgent needs, removing traditional credit history evaluations to expedite approval in critical situations requiring quick financial help.

Payday Loans Online

Payday loans online offer short-term monetary solutions that are quickly accessible through digital applications. These loans bridge financial gaps until the next paycheck, delivered entirely online.

P2P Loans Quick

Quick P2P (Peer-to-Peer) loans connect borrowers with individual lenders via online platforms. This method facilitates fast borrowing directly from peers, often at competitive interest rates.

Debt Consolidation Loans Online

Online debt consolidation loans simplify financial management by combining multiple debts into a single, manageable payment plan. This effective strategy is accessible and managed through online platforms.

Bad Credit Loans Fast

Fast bad credit loans provide financial access to those with poor credit scores. These loans offer quick solutions, accommodating borrowers who face challenges with traditional lending criteria.

How to Apply for Online Short-term Loans in Kingsport

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 valuable resources on effectively utilizing personal loans, understanding terms, managing repayments, and avoiding pitfalls to make informed financial decisions on our NGO website.

Industry
Address
Phone
Bodyshop
Address: 990 Wilcox Court, Kingsport, TN 37660
Phone: +1 (423) 349-5500
Club & Association
Address: Myrtle Street, Kingsport, TN 37660
Phone: +1 (423) 765-1144
Fast Food
Address: 315 Clinchfield Street, Kingsport, TN 37660
Phone: +1 (423) 765-2801
Fitness Club & Center
Address: 1664 East Stone Drive, Kingsport, TN 37660
Phone: +1 (423) 765-9501
Government Office
Address: 415 Broad Street, Kingsport, TN 37660
Phone: +1 (423) 230-0014
Hospital
Address: Meadowview Parkway, Kingsport, TN 37660
Phone: +1 (423) 246-7833
Hotel
Address: 3004 Bays Meadow Place, Kingsport, TN 37660
Phone: +1 (423) 230-0534
Library
Address: 1701 East Center Street, Kingsport, TN 37664
Phone: +1 (423) 229-9466
Local Post Office
Address: 4313 Fort Henry Drive, Kingsport, TN 37663
Phone: +1 (423) 239-0900
Museum
Address: Stratford Road, Kingsport, TN 37664
-
Rent-a-Car Facility
Address: 2005 West Stone Drive, Kingsport, TN 37660
Phone: +1 (423) 246-2832
Shopping Center
Address: 2003 North Eastman Road, Kingsport, TN 37664
-
Specialist
Address: 2004 American Way, Kingsport, TN 37660
Phone: +1 (423) 246-8840
Theater
Address: 2101 Fort Henry Drive, Kingsport, TN 37664
-
Veterinarian
Address: 524 West Center Street, Kingsport, TN 37660
Phone: +1 (423) 246-8561

How to Get to Kingsport

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 Kingsport

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, high-interest financial products designed to help you manage emergency expenses until your next paycheck. You can borrow a small amount of money, typically up to $500, which you’re expected to repay in full by your next payday. They are often processed swiftly, providing access to cash advances when needed most.

Are Payday Loans Available for Bad Credit?

Yes, payday loans are often available for individuals with bad credit. Lenders typically do not perform a traditional credit check, making it a viable option for those who might struggle to secure personal loans from conventional financial institutions. However, always consider the high costs associated with this option.

What Are the Eligibility Criteria for a Payday Loan?

Generally, to qualify for a payday loan, you must be an adult with a steady income, have an active checking account, and provide valid identification. Lenders aim to ensure that borrowers have the capacity to repay the loan in a timely manner.

What Are the Fees Associated with Payday Loans?

Payday loans come with significant fees, often calculated as a flat fee per $100 borrowed. This can equate to a very high annual percentage rate (APR), sometimes reaching up to 400%. It’s crucial to understand these fees before proceeding with a loan.

Can Payday Loans Be Refinanced or Extended?

Some lenders may offer options to refinance or extend payday loans. However, this often incurs additional fees, significantly increasing the overall cost of borrowing. It's important to explore these terms carefully before agreeing to any modification.

What Happens if I Cannot Repay My Payday Loan on Time?

Failing to repay a payday loan on time can result in extra fees or default. The lender might attempt to withdraw funds from your bank account repeatedly, leading to overdraft charges. It’s important to communicate with your lender to explore any possible solutions.

Are Payday Loans Available Online?

Yes, many lenders offer payday loans online, allowing for a convenient application process. This often results in quick approval and instant access to funds. However, ensure that the lender is reputable before sharing any personal or financial information.

How Fast Can I Get a Payday Loan?

Payday loans are designed for immediacy, with many lenders providing cash advances within a day or even hours after approval. This makes them an option for fast short-term financing when unforeseen expenses arise.

Can Payday Loans Improve My Credit Score?

Payday loans typically do not impact your credit score as they are not reported to credit bureaus in the same way traditional loans are. However, defaulting can affect your credit if the lender takes collection actions, which may be reported to credit reporting agencies.

Are There Alternatives to Payday Loans?

Consider alternatives such as personal installment loans, borrowing from friends or family, or utilizing credit union services, which often offer low-interest small loans. These options might offer more favorable terms compared to payday loans.

How Can I Ensure I’m Dealing with a Reputable Payday Loan Lender?

Verify the lender’s credentials, read reviews, and check for licensing with relevant financial authorities. Reputable lenders will provide clear information about loan terms, fees, and repayment options. It's crucial to research and compare lenders to avoid unscrupulous practices.

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