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Current Payday Lenders in Tennessee – Terms, Rates, Legislation

The list of payday lenders in Tennessee

  1. Cash Central

    • Website:
    • Address: 5165 Emerald Parkway, Suite 100, Dublin, OH 43017
    • Service: Online
    • States: Washington, Idaho, North Dakota, Minnesota, Wisconsin, Delaware, Wyoming, California, Nevada, Utah, Kansas, Missouri, Tennessee, South Carolina, Florida, Alabama, Mississippi, Lousiana, Texas, New Mexico, Alaska
  2. Lending Bear

    • Website:
    • Address: 12276 San Jose Blvd. Suite 534 Jacksonville, FL, 32223
    • Service: Online
    • State: Alabama, Florida, Georgia, Louisiana, Tennessee
  3. ACE Cash Express

    • Website:
    • Address: 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062
    • Service: Online/Offline
    • State: California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Texas, Tennessee
  4. Check Into Cash

    • Website:
    • Address: 201 Keith Street, Suite 5 Cleveland
    • Service: Online/Offline
    • State: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
  5. Net Pay Advance

    • Website:
    • Address: 6820 W Central Ave Wichita, KS 67212
    • Service: Online
    • State: California, Texas, Tennessee
  6. Tennessee Quick Cash

    • Website:
    • Address: 5302 Mt View Rd, Antioch, TN 37013
    • Service: Online/Offline
    • State: Tennessee
  7. Pheabs

    • Website:
    • Address: Pheabs, 515 E Las Olas Boulevard, Suite 120, Fort Lauderdale, FL 33301
    • Service: Online/Offline
    • States: Alabama, California, Colorado, Florida, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Ohio, Tennessee, Texas

    • Website:
    • Address: 169 South River Road, Suite #19, Bedford, New Hampshire, 03110
    • Service: Online
    • States: Delaware, Idaho, Kansas, Michigan, New Hampshire, Tennessee, Utah, Wisconsin
  9. Dime Alley

    • Website:
    • Address: 7072 Cedarwood Dr., Los Angeles, CA 90006, United States
    • Service: Online
    • States: Alabama, California, Colorado, Florida, Kentucky, Illinois, Indiana, Iowa, Louisiana, Maryland, Nevada, Ohio, Tennessee, Texas
  10. Advance America

    • Website:
    • Address: 135 N Church St Spartanburg, SC
    • Service: Online
    • States: Alabama, California, Colorado, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
  11. RISE Credit

    • Website:
    • Address: P.O. Box 679900 Dallas, TX 75267-9900
    • Service: Online
    • State: Alabama, California, Delaware, Georgia, Idaho, Illinois, Missouri, New Mexico, North Dakota, Ohio, South Carolina, South Dakota, Texas, Utah, Wisconsin
  12. CashNetUSA

    • Website:
    • Address: PO Box 206739. Dallas, TX 75320-6739
    • Service: Online
    • State: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
  13. Cashback Loans America

    • Website:
    • Address: 20343 N Hayden Rd Suite 105-333, Scottsdale AZ 85255
    • Service: Online
    • State: Kansas, Idaho, Tennessee
  14. Dollar Hand

    • Website:
    • Address: 5723 Morgan Ave, Los Angeles, California(CA), 90011
    • Service: Online
    • States: Almost all US states
  15. CashOne

    • Website:
    • Address: 539 Commerce Street, Suite 1461, Dallas, Texas 75208
    • Service: Online
    • States: Alabama, California, Florida, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Tennessee, Texas

    • Website:
    • Address: Unknown
    • Service: Online
    • States: Alabama, Alaska, Arizona, California, Colorado, Delaware, Washington

Are payday loans legal in Tennessee?

Tennessee legitimates payday loans. The state of Tennessee has set a $500 payday loan limit with a maximum term equal to 31 days. The charges should not exceed 15% of the amount of the check. However, valid APR in the state is about 460%. Criminal actions are banned.

Tennessee is the very first location where payday loans first appeared. This is also a state that were able to set stricter regulations into the industry over the several years.


  • Maximum amount: $500
  • Maximum Interest Rate (APR): 460% on a 14-day loan
  • Minimum term: Non-specified
  • Maximum term: 31 days
  • Number of rollovers allowed: None
  • Number of outstanding loans allowed: 3 total; two per lender
  • Cooling-off period: Non-specified
  • Finance charges: 15% of the face amount of the repayment check
  • Collection fees: Non-specified
  • Criminal action: Banned

Am I eligible for a payday loan in Tennessee?

Tennessee has core requirements to apply for an online cash advance. The main of them are:

  • be 18 years of age or older;
  • be a resident of the state and have a resident address;
  • have basic communication data i.e., phone number, email;
  • have a current income of at least $1,000 per month;
  • extra information may be asked individually.

Payday loan amounts in Tennessee

The maximum amount in Tennessee is $500. It is allowed to issue only one loan at once.

Licensed direct payday lenders are not allowed to have more than two outstanding checks from any single borrower at a given time. This requirement is controlled through the Deferred Presentment Services Act. The combined value of all outstanding bills may not exceed $500 under Tenn. Code Ann. § 45-17-112(o).

Maximum term for a payday loan in Tennessee

The maximum repayment term of payday loans in TN is 31 days. However, there is no minimum set. It implies lenders can get loans that are able to issue even less than a pay period to pay.

Rates, fees and other charges in TN

The laws in Tennessee relation to payday loans disallow payday lenders from withdrawing a fee over 15%. That predicts they can’t collect more than $17.65 for every $100 borrowed. For example, a payday lender could write off a client $70.50 for a $400 loan.

As a result, you’ll rarely, if ever, get acquainted with payday lenders to offer loans for more than $425. They’d have to reduce their fee a dollar for every dollar they increase their principal over $425.

The minimum APR is 207.8%. If the loan is, for any reason, less than 31 days, the APR will grow up. On 7-days and 14-days loans, the APRs will be equal to 920% and 460%, respectively.

What is the statute of limitations on a payday loan in Tennessee?

The statute of limitations on lending debt is 6 years in TN. Creditors and debt collectors only obtain 6 years to withdraw the debt. If you’re being sued for debt, use SoloSuit to file your case and win.

In the described state, you have 21 days to answer a debt lawsuit before you lose by default. Make sure to respond immediately with a written answer.

The quantity of top payday lenders’ store by Tennessee cities

tennessee cities map

  1. Athens (4)
  2. Bristol (5)
  3. Chattanooga (11)
  4. Clarksville (11)
  5. Cleveland (7)
  6. Columbia (5)
  7. Cookeville (5)
  8. Dyersburg (3)
  9. Elizabethton (4)
  10. Gallatin (4)
  11. Greeneville (5)
  12. Hixson (5)
  13. Jackson (7)
  14. Johnson City (7)
  15. Kingsport (6)
  16. Knoxville (21)
  17. Lawrenceburg (4)
  18. Lebanon (4)
  19. Madison (4)
  20. Memphis (68)
  21. Mobile (5)
  22. Morristown (5)
  23. Murfreesboro (6)
  24. Nashville (26)
  25. Newport (5)
  26. Oak Ridge (4)
  27. Sevierville (4)
  28. Shelbyville (4)
  29. Smyrna (4)
  30. Springfield (4)