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Find Payday Loan Companies in Tennessee

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 Companies

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1

Appalachian Lending

1615 W Market St,
Johnson City, Tennessee 37604
(423) 232-8959
Whether you need a short-term loan or a loan that you can pay in easy and monthly terms, you can rely on Appalachian Lending to give it to you. You c...
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2

Cash N Dash

533 Gallatin Pike S,
Madison, Tennessee 37115
(615) 865-7369
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3

Red Rhino Cash Advance

315 Merchant Dr,
Knoxville, Tennessee 37912
(865) 474-1168
Conveniently located at four strategic points across the state of Tenessee is Red Rhino Cash Advance. Red Rhino Cash Advance offers quick, fast and ea...
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4

The Cash Company

2122 N Roan St,
Johnson City, Tennessee 37601
(423) 952-2274
The Cash Company has been in the business of helping people out of their tight financial spots since the year 1999. Since then, The Cash Company has ...
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5

Cash Express USA | Memphis Payday Loans

7948 Winchester Rd,
Memphis, Tennessee 38125
(901) 757-2990
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Tennessee Loan Statistics
2012 2011 2010
Average Loan492528544
Average Age353536
Pay Schedule
  Weekly18%19%15%
  Bi-Weekly58%58%57%
  Monthly15%12%13%
  Twice Per Month10%11%15%
Home Owner28%21%29%
Renter72%79%71%
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