Memphis 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 Memphis

Eligibility Criteria for Personal Loans

  • Valid photo identification (passport, driver’s license, or national ID)
  • Proof of income (recent payslips or employment contract)
  • Active bank account statement (from the last 30 days)
  • Completed application form with all required details
  • Contact information (phone number and email address)
  • Proof of residence (utility bill or rental agreement)
  • Copy of recent credit history report (if applicable)
  • Verification of any existing financial obligations (loans or advances)

Trusted Short-term Loan Lenders in Memphis, TN

Discover reliable payday loan lenders through our NGO, ensuring transparent, fair, and responsible borrowing options for those in need of short-term financial assistance. Trust us to prioritize your financial well-being.

Lender
User Ratings
Address
Phone
Category
745 Cash
User Raiting:
5.00
Address: 3400 Elvis Presley Blvd, Memphis, TN 38116
Phone: +1 (901) 255-1506
Category: Loan agency
NiceLoans!
User Raiting:
5.00
Address: 1268 Getwell Rd, Memphis, TN 38111
Phone: +1 (901) 744-6500
Category: Check cash
Advance America
User Raiting:
5.00
Address: 4298 Summer Ave, Memphis, TN 38122
Phone: +1 (901) 685-6474
Category: Financial institution
Advance America
User Raiting:
5.00
Address: 3431 Austin Peay Hwy, Memphis, TN 38128
Phone: +1 (901) 386-3017
Category: Financial institution
World Finance
User Raiting:
5.00
Address: 4593 Elvis Presley Blvd Suite 104, Memphis, TN 38116
Phone: +1 (901) 729-7421
Category: Loan agency
AAA Cash Fast
User Raiting:
5.00
Address: 5000 Raleigh Lagrange Rd, Memphis, TN 38128
Phone: +1 (901) 266-4401
Category: Check cash
Chesterfield Finance
User Raiting:
5.00
Address: 140 Monroe Ave, Memphis, TN 38103
Phone: +1 (901) 523-8040
Category: Loan agency
Check Into Cash
User Raiting:
5.00
Address: 1213 Getwell Rd, Memphis, TN 38111
Phone: +1 (901) 327-8383
Category: Financial institution
745 Cash
User Raiting:
5.00
Address: 4664 Summer Ave, Memphis, TN 38122
Phone: +1 (901) 255-1507
Category: Loan agency
745 Cash
User Raiting:
4.90
Address: 3237 Austin Peay Hwy, Memphis, TN 38128
Phone: +1 (901) 255-1496
Category: Loan agency
745 Cash
User Raiting:
4.90
Address: 4986 Park Ave, Memphis, TN 38117
Phone: +1 (901) 255-1510
Category: Loan agency
World Finance
User Raiting:
4.90
Address: 14 N McLean Blvd, Memphis, TN 38104
Phone: +1 (901) 276-9195
Category: Loan agency
ACE Cash Express
User Raiting:
4.90
Address: 1882 Winchester Rd, Memphis, TN 38116
Phone: +1 (901) 396-0520
Category: Loan agency
ACE Cash Express
User Raiting:
4.90
Address: 2628 Frayser Blvd, Memphis, TN 38127
Phone: +1 (901) 357-2792
Category: Loan agency
Advance America
User Raiting:
4.90
Address: 3629 Hickory Hill Rd, Memphis, TN 38115
Phone: +1 (901) 547-0821
Category: Financial institution
Check Into Cash
User Raiting:
4.90
Address: 8385 US-64 Suite 118, Memphis, TN 38133
Phone: +1 (901) 377-9722
Category: Financial institution
ACE Cash Express
User Raiting:
4.90
Address: 5129 Yale Rd, Memphis, TN 38134
Phone: +1 (901) 266-0225
Category: Loan agency
Check `n Go
User Raiting:
4.90
Address: 3580 Summer Ave, Memphis, TN 38122
Phone: +1 (901) 323-2444
Category: Loan agency
745 Cash
User Raiting:
4.90
Address: 1791 Frayser Blvd, Memphis, TN 38127
Phone: +1 (901) 202-5946
Category: Loan agency
745 Cash
User Raiting:
4.90
Address: 1538 Getwell Rd, Memphis, TN 38111
Phone: +1 (901) 255-1501
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 2139 Lamar Ave, Memphis, TN 38114
Phone: +1 (901) 276-1020
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 1979 S 3rd St Ste A, Memphis, TN 38109
Phone: +1 (901) 942-1927
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 3310 Jackson Ave, Memphis, TN 38122
Phone: +1 (901) 324-9965
Category: Loan agency
Check Into Cash
User Raiting:
4.80
Address: 3303 Austin Peay Hwy, Memphis, TN 38128
Phone: +1 (901) 384-9488
Category: Financial institution
ACE Cash Express
User Raiting:
4.80
Address: 1386 Elvis Presley Blvd, Memphis, TN 38106
Phone: +1 (901) 942-3726
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 416 E Eh Crump Blvd, Memphis, TN 38126
Phone: +1 (901) 948-2402
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 3858 E Shelby Dr, Memphis, TN 38118
Phone: +1 (901) 546-9724
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 2474 Covington Pike, Memphis, TN 38128
Phone: +1 (901) 388-2316
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 3394 N Watkins St, Memphis, TN 38127
Phone: +1 (901) 353-0895
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 3102 Austin Peay Hwy, Memphis, TN 38128
Phone: +1 (901) 937-0897
Category: Loan agency
Reliable Finance Company
User Raiting:
4.70
Address: 140 Madison Ave, Memphis, TN 38103
Phone: +1 (901) 577-1699
Category: Loan agency
NiceLoans!
User Raiting:
4.70
Address: 4359 Elvis Presley Blvd # 102, Memphis, TN 38116
Phone: +1 (901) 332-0220
Category: Loan agency
Heights Finance
User Raiting:
4.70
Address: 5100 Poplar Ave Suite 2711, Memphis, TN 38137
Phone: +1 (901) 899-7750
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 5169 Winchester Rd, Memphis, TN 38118
Phone: +1 (901) 795-4690
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 5820 Winchester Rd, Memphis, TN 38115
Phone: +1 (901) 367-8922
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 1330 E Shelby Dr, Memphis, TN 38116
Phone: +1 (901) 345-5597
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 376 N Cleveland St Ste 101, Memphis, TN 38104
Phone: +1 (901) 726-4200
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 7444 Winchester Rd Ste 107, Memphis, TN 38125
Phone: +1 (901) 309-9416
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 3201 S 3rd St, Memphis, TN 38109
Phone: +1 (901) 398-9957
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 3174 Summer Ave, Memphis, TN 38112
Phone: +1 (901) 452-8601
Category: Loan agency
OneMain Financial
User Raiting:
4.70
Address: 7825 Winchester Rd #109, Memphis, TN 38125
Phone: +1 (901) 756-1671
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 3317 Winchester Rd, Memphis, TN 38118
Phone: +1 (901) 795-5046
Category: Loan agency
ACE Cash Express
User Raiting:
4.60
Address: 2117 Sycamore View Rd, Memphis, TN 38134
Phone: +1 (901) 383-2274
Category: Loan agency
ACE Cash Express
User Raiting:
4.60
Address: 1631 Poplar Ave, Memphis, TN 38104
Phone: +1 (901) 272-9685
Category: Loan agency
Accent Jewelers & Loans
User Raiting:
4.60
Address: 5050 Poplar Ave #127, Memphis, TN 38157
Phone: +1 (901) 682-8036
Category: Financial institution
ACE Cash Express
User Raiting:
4.60
Address: 6657 Winchester Rd, Memphis, TN 38115
Phone: +1 (901) 363-1967
Category: Loan agency
OneMain Financial
User Raiting:
4.50
Address: 2857 Kirby Rd #105, Memphis, TN 38119
Phone: +1 (901) 624-7575
Category: Loan agency
Central Loan & Finance Co.
User Raiting:
4.50
Address: 5071 Park Ave, Memphis, TN 38117
Phone: +1 (901) 454-0906
Category: Loan agency
Memphis Municipal Employee FCU
User Raiting:
4.10
Address: 577 Doctor M.L.K. Jr Ave, Memphis, TN 38126
Phone: +1 (901) 528-2822
Category: Financial institution
TAG Truck Center Memphis
User Raiting:
4.00
Address: 4450 American Way, Memphis, TN 38118
Phone: +1 (901) 345-5633
Category: Financial institution
Easy Money
User Raiting:
4.00
Address: 4109 Getwell Rd, Memphis, TN 38118
Phone: +1 (901) 360-8883
Category: Loan agency
Cash Express
User Raiting:
3.80
Address: 3950 Raleigh Millington Rd, Memphis, TN 38128
Phone: +1 (901) 377-0808
Category: Check cash
NiceLoans!
User Raiting:
3.70
Address: 0265, 6922 E Shelby Dr, Memphis, TN 38141
Phone: +1 (901) 795-6300
Category: Loan agency
FedEx Employees Credit Association - Nonconnah
User Raiting:
3.30
Address: 2731 Nonconnah Blvd, Memphis, TN 38132
Phone: +1 (800) 228-8513
Category: Financial institution
Benton Loan Firm
User Raiting:
3.30
Address: 2760 Colony Park Dr, Memphis, TN 38118
Phone: +1 (601) 427-9549
Category: Loan agency

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

Discover safer financial solutions beyond payday loans, offering flexibility, lower interest rates, and sustainable options to help manage urgent expenses without the high risks or debt traps.

Quick Installment Loans

Quick installment loans allow borrowers to repay the loan amount over scheduled payments, typically with fixed interest rates, making large sums more manageable over time.

Instant Cash Loans

Instant cash loans provide immediate access to funds for short-term financial needs without extensive application processes, focusing on speed and accessibility.

Online Title Loans

Online title loans use vehicles as collateral, offering fast cash based on the vehicle's value, but carry the risk of losing the vehicle if not repaid.

Emergency Loans Fast

Emergency loans fast are designed for unplanned expenses, providing rapid financial relief with flexible repayment options to cover urgent situations.

Payday Loans Online

Payday loans online offer quick, unsecured funding for short-term needs, typically due on the next payday, with high interest rates and fees.

Peer-to-Peer Loans Guaranteed

Guaranteed P2P loans let individuals borrow money directly from other people through online platforms, often with better terms than traditional lenders.

No Credit Check Debt Consolidation Loans

No credit check debt consolidation loans combine multiple debts into one payment, simplifying debt management and potentially reducing interest rates for improved financial stability.

Bad Credit Loans Online

Bad credit loans online cater to those with poor credit histories, offering funds with higher interest rates but accessible terms via digital platforms.

How to Apply for Online Short-term Loans in Memphis

Research and Choose a Reputable Lender

Begin by researching reputable payday loan lenders online. Look for lenders that have transparent terms, positive reviews, and valid licenses in your state. Read through the customer reviews on trusted websites to gauge experiences. Opt for lenders who clearly disclose their fees and interest rates. By choosing a reputable lender, you ensure your application process is safe and compliant with regulations, minimizing risks associated with payday loans.

Review and Gather Financial Information

Before applying, review and gather your financial information. Collect necessary personal details like identification, proof of income, banking information, and contact details. Accurate information is crucial for a smooth application process, and incomplete details may result in delays. Having your information ready facilitates comparison between lenders as you’ll need to input similar data multiple times.

Complete the Online Application Form

Navigate to your chosen lender’s website and locate the online application form. Fill out all required fields meticulously, making sure every piece of information is accurate. Most forms will ask for personal details, employment status, and monthly income. Double-check your information before submission, as mistakes can lead to delays. After submission, lenders use your data to make quick approval decisions, often within minutes.

Submit Necessary Documentation

After completing the application, you may need to upload or send necessary documentation. This may include a government-issued ID, recent pay stubs, and bank statements. Follow lender-specific instructions for document submission, whether via upload links or secure email. Providing these documents promptly helps verify your information, ensuring faster approval and processing of your payday loan application.

Review and Accept Loan Terms

Upon approval, carefully review the loan terms presented by the lender. Pay attention to interest rates, repayment dates, additional fees, and the total repayment amount. Make sure all conditions are clear and acceptable. If satisfied, accept the loan terms usually by e-signing the agreement. If you have questions or concerns, don’t hesitate to contact the lender for clarification before signing.

Receive Funds and Manage Repayment

After accepting loan terms, the lender will transfer the funds to your bank account, typically within a few business days. Maintain a dedicated strategy for repayment by setting reminders or automating payments to avoid additional fees. Understand the repayment process outlined by the lender, and contact them if you encounter financial difficulties. Responsible repayment ensures no adverse impacts on your financial well-being.

How to Use Short-term Loans - Useful Resources

Discover effective strategies for utilizing personal loans responsibly with our comprehensive resources, guiding you towards informed financial decisions and preventing potential pitfalls. Explore expert advice and useful tips here!

Industry
Address
Phone
Agricultural Supplies
Address: 1325 Eastmoreland Avenue, Memphis, TN 38104
Phone: +1 (901) 947-3018
Car Wash
Address: 3435 Lamar Avenue, Memphis, TN 38118
Phone: +1 (901) 360-1570
Club & Association
Address: 191 Beale Street, Memphis, TN 38103
Phone: +1 (901) 205-1234
Community Center
Address: 1796 Forrest Avenue, Memphis, TN 38112
Phone: +1 (901) 272-3434
Fast Food
Address: 869 South 3rd Street, Memphis, TN 38106
-
Government Office
Address: 289 Scott Street, Memphis, TN 38112
Phone: +1 (901) 367-1450
Hotel
Address: 6050 Macon Cove, Memphis, TN 38134
Phone: +1 (901) 373-9898
Library
Address: 3030 Poplar Avenue, Memphis, TN 38111
Phone: +1 (901) 415-2726
Movie Theater
Address: 584 South Mendenhall Road, Memphis, TN 38117
Phone: +1 (901) 682-1754
Museum
Address: 575 South Mendenhall Road, Memphis, TN 38117
Phone: +1 (901) 578-2787
Pharmacy
Address: 1835 Nonconnah Boulevard, Memphis, TN 38132
-
Rent-a-Car Facility
Address: 22 North Front Street, Memphis, TN 38103
Phone: +1 (901) 259-4108
Shopping Center
Address: 5805 Advantage Cove, Memphis, TN 38141
Phone: +1 (901) 367-6699
Specialist
Address: 1407 Union Avenue, Memphis, TN 38104
Phone: +1 (901) 202-4287
Theater
Address: 1230 Harbert Avenue, Memphis, TN 38104
Phone: +1 (901) 682-8601

How to Get to Memphis

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 Memphis

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 Fast Can I Get a Payday Loan?

Payday loans offer one of the quickest solutions for financial emergencies. Typically, funds can be available in as little as 24 hours after approval, making them ideal for unexpected expenses. However, timelines may vary depending on the lender’s process and your bank’s policies.

Can I Get a Payday Loan with Bad Credit?

Yes, one of the advantages of payday loans is that they are accessible to individuals with bad credit. Lenders often prioritize your income and employment status over credit scores, making it possible for people with less than perfect credit histories to secure a cash advance.

What Are the Requirements to Secure a Payday Loan?

To qualify for a payday loan, you generally need to provide proof of income, a valid bank account, and personal identification. Some lenders may have additional requirements, but the process is typically simple and straightforward, designed for speed and efficiency.

What Can a Payday Loan Be Used For?

Payday loans are versatile and can be used for a variety of short-term financial needs. Whether it's covering emergency expenses, medical bills, or unexpected car repairs, these fast loans provide a safety net when cash flow is tight.

How Much Can I Borrow with a Payday Loan?

The amount you can borrow depends on your income and the lender’s policies. Payday loans are typically smaller scale, short-term loans ranging from a few hundred dollars to a couple of thousand, ensuring you can handle immediate personal financial needs without long-term monetary commitment.

Are Payday Loan Fees Trustworthy?

Reputable lenders will provide a clear outline of all fees and interest rates up front. Transparency is crucial, so ensure you understand all costs associated before agreeing to any loan. Always read the fine print and select a lender known for ethical practices.

How Do I Repay a Payday Loan?

Repayment amounts and terms will be clearly stated in your loan agreement. Typically, lenders automatically deduct the loan amount plus any fees from your bank account on the due date, usually aligned with your payday cycle. Ensure the necessary funds are available to avoid additional charges.

Can I Extend the Due Date of My Payday Loan?

Some lenders may offer extended payment plans or renewal options, but this often incurs additional fees. Extending a payday loan should be a carefully considered decision, as it can end up being quite costly and is not recommended as a long-term financial solution.

What Happens If I Can’t Repay My Payday Loan on Time?

If you’re unable to meet repayment deadlines, it’s essential to contact your lender immediately. Many lenders may offer a grace period or negotiate alternative payment plans. Ignoring the issue can lead to increased fees, interest, and damage to your credit score.

Is a Payday Loan Right for My Situation?

While payday loans are helpful for short-term financial needs, it’s important to assess your situation carefully. Consider alternative options such as borrowing from friends or family, using an installment loan, or seeking assistance from nonprofit credit counseling services.

What Should I Look for in a Payday Loan Lender?

Choose a lender with a solid reputation, positive reviews, and transparent practices. Look for licensing information and check their standing with financial regulatory bodies. A professional and educational approach is a good indicator of a reliable lender.

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