Morristown 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 Morristown

Eligibility Criteria for Personal Loans

  • Valid government-issued ID for identification purposes.
  • Proof of income to demonstrate repayment ability.
  • Active bank account for funds transfer and verification.
  • Completed application form detailing personal and financial information.
  • Mobile phone number for communication and updates.
  • Email address to receive notifications and correspondence.
  • Consent agreement to terms and conditions of the advance.
  • Minimum age of 18 years to ensure legal eligibility.
  • Meeting residence requirements as specified by the NGO.

Trusted Short-term Loan Lenders in Morristown, TN

Explore our curated list of trusted Payday Loan lenders, ensuring reliable financial solutions with transparent terms. Empower your financial decisions through lenders you can trust, fostering peace of mind.

Lender
User Ratings
Address
Phone
Category
Advance America
User Raiting:
5.00
Address: 2133 W Andrew Johnson Hwy, Morristown, TN 37814
Phone: +1 (423) 585-5800
Category: Financial institution
Check Into Cash
User Raiting:
4.70
Address: 1960 W Andrew Johnson Hwy, Morristown, TN 37814
Phone: +1 (423) 586-0606
Category: Financial institution
Advance Financial
User Raiting:
4.70
Address: 178 S Liberty Hill Rd, Morristown, TN 37813
Phone: +1 (423) 709-8423
Category: Loan agency
World Finance
User Raiting:
4.70
Address: 1501 E Morris Blvd Ste 8 & 9, Morristown, TN 37813
Phone: +1 (423) 587-9499
Category: Loan agency
Cash Express
User Raiting:
4.20
Address: 1937 W Morris Blvd, Morristown, TN 37814
Phone: +1 (423) 581-4114
Category: Loan agency
Advance Financial
User Raiting:
4.10
Address: 2222 W Andrew Johnson Hwy, Morristown, TN 37814
Phone: +1 (423) 438-0239
Category: Loan agency
Service Loan Co
User Raiting:
3.90
Address: 2833 W Andrew Johnson Hwy # 2, Morristown, TN 37814
Phone: +1 (423) 586-1778
Category: Loan agency
Covington Credit
User Raiting:
3.90
Address: 1936 W Morris Blvd, Morristown, TN 37814
Phone: +1 (423) 587-0365
Category: Loan agency
Citizens Savings & Loan
User Raiting:
3.80
Address: 361 E Economy Rd, Morristown, TN 37814
Phone: +1 (423) 438-3755
Category: Loan agency
Regional Finance
User Raiting:
3.30
Address: 1631 E Andrew Johnson Hwy, Morristown, TN 37814
Phone: +1 (423) 318-7768
Category: Loan agency
Credit Central
User Raiting:
3.00
Address: 1127 E Morris Blvd, Morristown, TN 37813
Phone: +1 (423) 317-0198
Category: Loan agency
Alpha Business Solutions
User Raiting:
3.00
Address: 1862 S Cumberland St, Morristown, TN 37813
Phone: +1 (423) 307-8345
Category: Loan agency

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

Discover viable financial options that can replace payday loans, offering more manageable repayment terms and lower interest rates, ensuring a sustainable financial future for individuals in need.

Quick Installment Loans

Quick installment loans allow borrowers to repay debt in regular payments over a set period, offering a structured alternative to traditional payday loans.

Fast Cash Loans

Fast cash loans provide immediate short-term financial solutions for unexpected expenses, typically requiring full repayment by the borrower's next paycheck.

Instant Title Loans

Instant title loans use your vehicle title as collateral, offering a fast way to access funds while allowing you to keep driving your car.

Emergency Loans Online

Emergency loans online quickly deliver funds for urgent needs, accessible through convenient online applications without lengthy approval processes.

Payday Loans No Credit Check

Payday loans with no credit check provide short-term, high-interest advances for immediate cash needs, usually due on the borrower’s next payday.

P2P Loans Guaranteed

Guaranteed P2P loans connect borrowers directly with individual lenders, offering potentially lower rates and flexible terms through an online marketplace.

Debt Consolidation Loans Fast

Fast debt consolidation loans combine multiple debts into a single manageable loan with a lower interest rate, simplifying repayment and reducing financial stress.

Bad Credit Loans Instant

Instant bad credit loans cater to borrowers with poor credit scores, providing access to funds without the need for a stellar credit history.

How to Apply for Online Short-term Loans in Morristown

Research and Choose a Lender

Begin by researching various online payday loan providers. It's important to compare interest rates, fees, and repayment terms. Look for reviews and testimonials to gauge the lender's reputation and reliability. Ensure the lender is licensed to operate in your state and provides transparent information about their loan offerings. This research can help you avoid scams and unfavorable loan terms. Once you've gathered enough information, choose a lender that best suits your financial needs and circumstances.

Prepare the Necessary Information

Before applying, gather all required documents and information for the application process. This typically includes your social security number, government-issued ID, proof of income (such as pay stubs), bank account details, and contact information. Having these documents ready will streamline the application process and help you avoid delays. Ensure that all the information provided is accurate and up-to-date to increase your chances of approval. Double-check the requirements on the lender’s website for any additional documentation needed.

Complete the Online Application

Visit the lender's website and locate the online application form. Carefully fill out the form, ensuring you provide all requested information accurately. Pay special attention to details like your bank account information and income verification, as errors might cause delays or rejection. Many lenders provide explanations or tooltips to guide you through the application process. Take your time to understand each section and reach out to the lender's customer service if you encounter any problems or have questions about the form.

Review the Loan Terms and Conditions

After completing the application, you'll typically be presented with the proposed loan terms and conditions. This is a crucial step where you must thoroughly review the interest rate, fees, repayment schedule, and any penalties for late payment. Ensure that you understand all aspects of the contract before you agree. If something appears confusing or unfavorable, consider asking questions or looking for another lender. By understanding the full implications of the loan, you can make an informed decision and avoid surprises later.

Submit the Application and Await Approval

Once you're satisfied with the terms and conditions, submit your application. Most lenders offer a quick review process, with approval decisions rendered within minutes or hours. Once approved, you will typically receive instructions on the next steps, which may include electronically signing a loan agreement. Funds are usually deposited directly into your bank account within one business day. In case of rejection, inquire about the reasons for denial and consider improving your eligibility or applying with a different lender.

How to Use Short-term Loans - Useful Resources

Discover essential resources and tips for utilizing personal loans effectively, ensuring financial stability and informed decision-making with our comprehensive guide on managing short-term financial needs.

Industry
Address
Phone
Car Wash
Address: 455 South Davy Crockett Parkway, Morristown, TN 37813
-
Club & Association
Address: 120 South Mill Street, Morristown, TN 37814
Phone: +1 (423) 586-9622
Community Center
Address: 2412 West Andrew Johnson Highway, Morristown, TN 37814
Phone: +1 (423) 587-5800
Dentist
Address: 2729 West Andrew Johnson Highway, Morristown, TN 37814
Phone: +1 (423) 621-2000
Fast Food
Address: 521 East Morris Boulevard, Morristown, TN 37813
-
Fitness Club & Center
Address: 4445 East Morris Boulevard, Morristown, TN 37813
Phone: +1 (423) 586-1516
Government Office
Address: 100 West 1st North Street, Morristown, TN 37814
Phone: +1 (423) 585-4607
Hospital
Address: 726 McFarland Street, Morristown, TN 37814
Phone: +1 (423) 522-6000
Hotel
Address: 5400 South Davy Crockett Parkway, Morristown, TN 37813
Phone: +1 (423) 318-8888
Library
Address: 1149 Kennedy Circle, Morristown, TN 37813
Phone: +1 (423) 581-3413
Museum
Address: 412 West 3rd North Street, Morristown, TN 37814
Phone: +1 (423) 587-4207
Pharmacy
Address: 2129 West Andrew Johnson Highway, Morristown, TN 37814
-
Post Office
Address: 134 North Henry Street, Morristown, TN 37814
Phone: +1 (423) 581-5572
Shopping Center
Address: 1707 East Andrew Johnson Highway, Morristown, TN 37814
Phone: +1 (423) 586-7570
Specialist
Address: 1457 West Morris Boulevard, Morristown, TN 37813
Phone: +1 (423) 581-9070

How to Get to Morristown

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 Morristown

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, also known as cash advances, are short-term loans designed to provide immediate financial relief during an emergency. These loans are typically repaid on the borrower's next payday, hence the name. Lenders offer these fast loans based on your income and proof of employment.

Who Can Apply for a Payday Loan?

Anyone over 18 years old with a steady income and a valid bank account can apply for a payday loan. Unlike traditional bank loans, payday loans are accessible to those with bad credit or no credit history.

What Are the Advantages of Payday Loans?

Payday loans offer instant access to funds, making them suitable for emergencies. They are generally easy to secure, even for those with bad credit, and do not require the lengthy approval process that comes with personal loans.

How Quickly Can I Get a Payday Loan?

One of the major benefits is the speed at which payday loans are processed. In many cases, you can receive your funds on the same day or within 24 hours of approval, making them an ideal solution for urgent financial needs.

Are Payday Loans Available Online?

Yes, many lenders provide online services for payday loans. This allows borrowers to apply, get approved, and receive their funds without needing to visit a physical location.

What Are the Typical Fees Associated with Payday Loans?

Payday loans often come with high-interest rates and fees compared to other forms of credit. It's important to review the terms and conditions carefully before proceeding to ensure you understand the total repayment amount.

Can Payday Loans Help Improve My Credit Score?

Payday loans are not typically reported to credit bureaus, so they do not directly impact your credit score. They are primarily intended for short-term financial emergencies and not for long-term credit building.

Are Payday Loans Legal in All States?

The legality of payday loans varies across states. Some places have strict regulations or have banned them entirely, while others have set rules governing their terms and costs. Always ensure that a lender is operating legally in your area.

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

If you're unable to repay your payday loan by the due date, it's crucial to contact your lender immediately. Most lenders will offer extensions or repayment plans, but be aware that this might result in additional fees or interest charges.

What Alternatives Are There to Payday Loans?

Several alternatives exist, such as personal loans, credit union loans, or borrowing from family and friends. These options might offer lower interest rates and more favorable repayment terms than payday loans.

How Can I Ensure a Payday Loan Is Right for Me?

Before applying for a payday loan, evaluate your financial situation and consider all available options. Payday loans are best suited for short-term needs. If you find yourself relying on them frequently, it may be worth seeking financial counseling to explore long-term solutions.

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