Knoxville 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 Knoxville

Eligibility Criteria for Personal Loans

  • Must be a registered member of the NGO.
  • A valid government-issued ID is required for identification.
  • Proof of income or recent financial statement to verify the need for cash advance.
  • Complete the online cash advance application form.
  • Provide contact details for verification purposes.
  • Ensure no outstanding dues with the NGO.
  • Applicant must be above 18 years of age.
  • Submit a detailed explanation of the purpose for the cash advance.

Trusted Short-term Loan Lenders in Knoxville, TN

Explore our curated list of trusted payday loan lenders, committed to offering transparent and reliable financial solutions tailored to meet your urgent cash needs efficiently and safely.

Lender
User Ratings
Address
Phone
Category
American Cash Advance
User Raiting:
5.00
Address: 6322 Chapman Hwy, Knoxville, TN 37920
Phone: +1 (865) 609-0330
Category: Loan agency
World Finance
User Raiting:
5.00
Address: 8079 Kingston Pike L, Knoxville, TN 37919
Phone: +1 (865) 560-9268
Category: Loan agency
Check Into Cash
User Raiting:
5.00
Address: 6724 Maynardville Hwy, Knoxville, TN 37918
Phone: +1 (865) 922-3829
Category: Financial institution
MoneyMax
User Raiting:
5.00
Address: 7213 Kingston Pike, Knoxville, TN 37919
Phone: +1 (865) 588-1580
Category: Financial institution
Tennessee Business Loan
User Raiting:
5.00
Address: 9111 Cross Park Dr #D200, Knoxville, TN 37923
Phone: +1 (865) 344-2916
Category: Loan agency
Mariner Finance
User Raiting:
4.90
Address: 2435 Callahan Dr, Knoxville, TN 37912
Phone: +1 (865) 512-2233
Category: Loan agency
Advance Financial
User Raiting:
4.80
Address: 4861 N Broadway, Knoxville, TN 37918
Phone: +1 (865) 730-4085
Category: Loan agency
Mariner Finance
User Raiting:
4.80
Address: 8078 Kingston Pike Ste. 114, Knoxville, TN 37919
Phone: +1 (865) 357-1100
Category: Loan agency
Advance America
User Raiting:
4.80
Address: 4222 Asheville Hwy, Knoxville, TN 37914
Phone: +1 (865) 633-4924
Category: Financial institution
World Finance
User Raiting:
4.80
Address: 4124 Asheville Hwy, Knoxville, TN 37914
Phone: +1 (865) 540-1365
Category: Loan agency
Advance Financial
User Raiting:
4.70
Address: 2823 N Broadway, Knoxville, TN 37917
Phone: +1 (865) 856-1583
Category: Loan agency
Advance Financial
User Raiting:
4.60
Address: 4531 Chapman Hwy, Knoxville, TN 37920
Phone: +1 (865) 856-1606
Category: Loan agency
Mariner Finance
User Raiting:
4.60
Address: 4848 Harvest Mill Way, Knoxville, TN 37918
Phone: +1 (865) 688-4144
Category: Loan agency
Farm Credit Mid-America
User Raiting:
4.50
Address: 716 Callahan Dr, Knoxville, TN 37912
Phone: +1 (865) 687-5500
Category: Financial institution
Advance Financial
User Raiting:
4.50
Address: 8024 Kingston Pike, Knoxville, TN 37919
Phone: +1 (865) 494-1197
Category: Loan agency
Advance Financial
User Raiting:
4.50
Address: 10511 Kingston Pike, Knoxville, TN 37922
Phone: +1 (865) 685-5251
Category: Loan agency
Advance Financial
User Raiting:
4.30
Address: 5527 Clinton Hwy, Knoxville, TN 37912
Phone: +1 (865) 338-5964
Category: Loan agency
Service Loan Co
User Raiting:
4.30
Address: 4914 N Broadway, Knoxville, TN 37917
Phone: +1 (865) 525-9300
Category: Loan agency
Credit Central
User Raiting:
4.20
Address: 2810 Schaad Rd, Knoxville, TN 37921
Phone: +1 (865) 859-0144
Category: Loan agency
Covington Credit
User Raiting:
4.20
Address: 4228 Asheville Hwy, Knoxville, TN 37914
Phone: +1 (865) 525-8248
Category: Loan agency
1stHeritageCredit
User Raiting:
4.00
Address: 5022 Clinton Hwy, Knoxville, TN 37912
Category: Financial institution
World Finance
User Raiting:
4.00
Address: 2901 Tazewell Pike C, Knoxville, TN 37918
Phone: +1 (865) 688-9221
Category: Loan agency
Payday Express
User Raiting:
3.80
Address: 4225 Asheville Hwy, Knoxville, TN 37914
Phone: +1 (865) 673-3338
Category: Check cash
OneMain Financial
User Raiting:
3.70
Address: 8331 E Walker Springs Ln Ste 200, Knoxville, TN 37923
Phone: +1 (865) 688-0011
Category: Loan agency
Advance to Payday, Inc.
User Raiting:
3.70
Address: 450 N Cedar Bluff Rd, Knoxville, TN 37923
Phone: +1 (865) 670-1113
Category: Loan agency
Security Finance
User Raiting:
3.40
Address: 2039 N Broadway, Knoxville, TN 37917
Phone: +1 (865) 637-0357
Category: Loan agency
World Finance
User Raiting:
3.20
Address: 2115 E Magnolia Ave C, Knoxville, TN 37917
Phone: +1 (865) 544-0933
Category: Loan agency
Truist
User Raiting:
3.20
Address: 11441 Kingston Pike, Knoxville, TN 37922
Phone: +1 (865) 777-9850
Category: Bank
Check Advance of America and Loans
User Raiting:
3.00
Address: 402 N Cedar Bluff Rd, Knoxville, TN 37923
Phone: +1 (865) 694-4004
Category: Loan agency
Truist
User Raiting:
2.10
Address: 330 N Cedar Bluff Rd, Knoxville, TN 37923
Phone: +1 (865) 769-8520
Category: Bank

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

Discover accessible and sustainable financial options that empower you to manage emergencies without resorting to high-interest payday loans. Explore community resources, budgeting tools, credit unions, and more.

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 Knoxville

Research and Choose a Lender

Begin by researching various payday loan lenders online. Compare interest rates, loan terms, and customer reviews to find a reputable lender. Look for transparency regarding fees and repayment terms to avoid hidden charges. It's important to verify that the lender is legitimate, using ratings from consumer protection agencies as your guide. Take your time during this step, as selecting the right lender can significantly affect your overall borrowing experience and potential financial obligations.

Check Eligibility Requirements

Each payday loan lender has specific eligibility criteria that applicants must meet. Typically, you will need to be at least 18 years old, have a valid checking account, and provide proof of a steady income. Some lenders may require additional documents or impose minimum income thresholds. Carefully review these requirements before applying to ensure you qualify and avoid unnecessary rejections, which can impact your credit score. Meeting all criteria will increase your chances of approval and streamline the application process.

Gather Necessary Information and Documents

Before you begin the application process, gather all required documents and personal information. This includes identification such as a driver's license or passport, bank statements, and pay stubs. You may also need to provide your social security number, employment information, and contact details. Having all necessary documentation on hand will make filling out the application quicker and easier, reducing the risk of mistakes or delays that could affect your loan approval timeline.

Fill Out the Online Application

Access the lender's website and locate the online application form. Carefully fill out each section with accurate personal and financial information. Double-check your entries to avoid errors that could lead to a denial or delay in processing. Most applications will ask for basic information, including your contact details, employment status, and desired loan amount. Submitting precise and truthful information can expedite the application review and increase the likelihood of qualifying for the loan.

Review and Submit the Application

Once you've completed the application form, take a moment to review all entered information. Ensure there're no mistakes or omissions, as inaccuracies can lead to rejections or potential issues with loan terms. Verify that all required fields are filled and all necessary documents are attached. After confirming everything is correct, submit the application through the lender's online portal. You should receive a confirmation email, indicating your application is under review.

Receive and Review Loan Offer

If your payday loan application is approved, you'll receive a loan offer detailing the amount, interest rates, and repayment terms. Take the time to thoroughly read and understand the agreement, ensuring you're clear about all terms and conditions. If any aspect is unclear or seems unfavorable, contact the lender for clarification. It's crucial to comprehend all aspects of the loan before accepting to avoid misunderstandings or financial strain later. Once satisfied, accept the offer to finalize the process.

How to Use Short-term Loans - Useful Resources

Explore essential resources on utilizing personal loans effectively. Learn strategies, tips, and tools to manage short-term financial needs responsibly and maximize benefits. Empower your financial decisions today.

Industry
Address
Phone
Car Repair and Service
Address: 10671 Parkside Drive, Knoxville, TN 37922
Phone: +1 (865) 312-7689
Club & Association
Address: 2129 Norvell Drive, Knoxville, TN 37918
Phone: +1 (865) 687-9777
College/University
Address: 4610 Asheville Highway, Knoxville, TN 37914
Phone: +1 (865) 521-4135
Community Center
Address: 3109 Ocoee Trail, Knoxville, TN 37917
Phone: +1 (865) 546-1700
Concert Hall
Address: 500 Howard Baker Avenue, Knoxville, TN 37915
Phone: +1 (865) 215-8900
Dentist
Address: 601 South Concord Street, Knoxville, TN 37919
Phone: +1 (865) 522-7572
Government Office
Address: 301 West Inskip Drive, Knoxville, TN 37912
Phone: +1 (865) 687-6321
Hospital
Address: 10670 Parkside Drive, Knoxville, TN 37922
Phone: +1 (865) 671-4466
Hotel
Address: 608 Lovell Road, Knoxville, TN 37932
Phone: +1 (865) 966-6781
Library
Address: 4500 Chapman Highway, Knoxville, TN 37920
Phone: +1 (865) 573-1772
Local Post Office
Address: 6211 Middlebrook Pike, Knoxville, TN 37909
Phone: +1 (865) 688-2424
Mobile Phone Shop
Address: Western Avenue, Knoxville, TN 37921
Phone: +1 (865) 766-2830
Movie Theater
Address: 3001 Knoxville Center Drive, Knoxville, TN 37924
Phone: +1 (844) 462-7342
Museum
Address: Lynnwood Drive, Knoxville, TN 37918
-
Pharmacy
Address: 2260 Sutherland Avenue, Knoxville, TN 37919
Phone: +1 (865) 219-5926

How to Get to Knoxville

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 Knoxville

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

Can I Get a Payday Loan with Bad Credit?

Yes, many payday loan lenders offer options for individuals with bad credit. These loans are often approved quickly without the need for a traditional credit check, making them a feasible option for those in need of emergency funds despite a poor credit history.

How Quickly Can I Receive a Cash Advance?

One of the primary benefits of payday loans is their speed. Many payday lenders provide instant or fast loans, typically depositing the cash directly into your bank account within one business day of approval. This swift access to funds is ideal for urgent financial emergencies.

What Are the Typical Repayment Terms for a Personal Payday Loan?

Payday loans are short-term financial solutions, usually requiring repayment by your next payday, typically within two to four weeks. It's crucial to understand and plan for the repayment terms to avoid additional fees or damaging your financial standing.

Is a Payday Loan the Same as a Cash Advance?

While payday loans and cash advances serve similar purposes by providing quick access to funds, they differ slightly. A cash advance often refers to withdrawing cash against your credit card's credit limit, whereas a payday loan is a short-term personal loan directly from a lender.

What Fees Are Associated with Payday Loans?

Payday loans generally come with high fees, often charged as a flat rate or a percentage of the loan amount. It's crucial to review the terms and understand all associated costs, as these fees can make payday loans an expensive financing option.

Are Payday Loans Regulated?

Yes, payday loans are regulated, but regulations vary by state or country. Many regions have laws that cap interest rates and fees or set limits on loan amounts. It is essential to understand the specific regulations in your area before obtaining a payday loan.

Can I Extend or Renew My Payday Loan?

Some lenders may offer the option to roll over or renew your payday loan but typically charge additional fees. It's important to be cautious with extensions, as they can significantly increase the overall cost of the loan and lead to a cycle of debt.

What Happens if I Default on a Payday Loan?

Defaulting on a payday loan can result in collection efforts and additional fees, such as late charges. This can negatively impact your credit score and financial standing. It's advisable to communicate with your lender to explore repayment options if you're facing difficulties.

Can I Apply for a Payday Loan Online?

Yes, many lenders offer online applications for payday loans, making the process convenient and accessible. Online applications usually require basic personal and financial information and can often be completed quickly from the comfort of your home.

Is a Payday Loan Right for Me?

Payday loans can be a useful resource for short-term financial emergencies. However, due to high fees and short repayment terms, they are generally recommended only when other options are unavailable. Consider assessing your financial situation and exploring alternatives before applying.

What Alternatives Are Available Aside from Payday Loans?

Alternatives to payday loans include personal loans from credit unions or banks, payment extensions with creditors, or borrowing from friends and family. Exploring these options can help you secure funds with more favorable terms and lower costs.

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