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Tennessee Payday Loans

Governing law in state:
Payday loans are legal in Tennessee, one of twenty-five states that have enacted specific statutes and regulations authorizing them. Tennessee law requires cash advance creditors to be licensed and to clearly display their license. Lenders must provide their clients with a written statement drafted in simple, understandable language explaining the fees they are charging and the date that the funds will be deposited. Under Tennessee law, a consumer can borrow up to three cash advance loans at one time, provided that the total is not greater than $500. Payday loan businesses are prohibited from bringing a criminal action against delinquent borrowers.

Maximum loan amount:
A borrower can request up to $500 in payday loan funds.

Loan terms:
The loan term is 31 days.

Extensions:
The number of extensions or rollovers is not specified under Tennessee law.

Fees and charges:
A cash advance company can charge the lesser amount of either 15% of the loan amount or $30. It can also charge one $30 NSF (non-sufficient funds) collection fee. The finance charge for a two-week loan in the amount of $100 is $17.65.

Fee schedules and APR:
The maximum APR (annual percentage rate) that a payday loan business can charge for a two-week loan valued at $100 is 459%.

 
Payday Lender Directory
Business: Money Check Advance
Address: 224 N Main St
City: Clinton
State: TN
Zip: 37716
Phone: 865-457-3838

Business: Cash Quik Inc
Address: 304 Inman St W
City: Cleveland
State: TN
Zip: 37311
Phone: 423-479-2579

Business: Always Cash
Address: 64 Dixon Springs Hwy
City: Carthage
State: TN
Zip: 37030
Phone: 615-735-3230

Business: Check Advance Overdraft Svcs
Address: 1862 N Main St Ste B2
City: Shelbyville
State: TN
Zip: 37160
Phone: 931-684-6112

Business: Check Into Cash Of Tennesee
Address: 3800 Tennessee Ave Ste F
City: Chattanooga
State: TN
Zip: 37409
Phone: 423-822-9803

Click here for more Tennessee payday lenders and cash advance companies.
 
 
Debt Management Directory
Business: Countrywide Home Loans Inc
Address: 750 Old Hickory Blvd
City: Brentwood
State: TN
Zip: 37027
Phone: 615-377-1249

Business: William Ronald Cpa
Address: 111 Westwood Pl
City: Brentwood
State: TN
Zip: 37027
Phone: 615-467-7320

Business: Commerce Capital Lp
Address: 5115 Maryland Way Ste 304
City: Brentwood
State: TN
Zip: 37027
Phone: 615-244-1432

Business: Cornerstone Mortgage Bankers
Address: 215 Ward Cir Ste 200
City: Brentwood
State: TN
Zip: 37027
Phone: 615-376-0111

Business: Southeast Financial Credit Un
Address: 5110 Maryland Way Ste 100
City: Brentwood
State: TN
Zip: 37027
Phone: 615-371-3700

Click here for more Tennessee credit companies and debt management services.
 

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