Fast and Secure Loans in Memphis, TN
$100 to $4,000

Fast Funding When Memphis Needs It Most

Facing an unexpected expense? Request a cash advance, payday loan, or flex loan today. We connect Memphis residents with lenders who understand local needs.

Local TN Lender Network

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Funds as soon as next business day

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Secure application - takes only minutes

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How It Works

Get the funds you need in a few simple steps

1

Submit Your Request

Fill out our secure, mobile-friendly online form in minutes from anywhere in Memphis.

2

Connect With Lenders

We ping our network to find a Tennessee-licensed lender willing to work with your situation.

3

Review & Accept

Carefully read your lender's rates, terms, and conditions before electronically signing.

4

Receive Your Funds

If approved, funds are typically deposited into your checking account as soon as the next business day.

Apply Now

Fill out the form below to get matched with a lender

Lenders in our network may perform credit checks or verify your information through alternative databases (like Clarity or DataX). Submitting a form does not guarantee loan approval.

Loan Information

Key details about our loan products, eligibility criteria, and required documentation.

Loan Details

Loan Amounts

$100 - $4,000 (State maximums apply based on loan type)

Loan Terms

14 days to 31 days (Payday) / Open-ended (Flex Loans)

APR Range

279% - 460% (Depends on loan type and lender)

Loan Types

Payday Loans Flex Loans Personal Installment Loans

Eligibility Requirements

  • Be at least 18 years old
  • Reside in Tennessee
  • Have a valid checking account
  • Show proof of steady income
  • Possess a valid email and phone number

Required Documents

  • Government-issued ID
  • Recent pay stub or income proof
  • Bank account details (routing and account numbers)

Why Choose Us

Benefits that make the difference

Secure Network

We use advanced 256-bit encryption to protect your personal information while connecting you with reputable lenders.

All Credit Histories Considered

Lenders evaluate your current income and employment status, meaning past credit mistakes won't automatically disqualify you.

Time-Saving Process

Submit one easy form instead of individually applying to multiple lenders across Shelby County.

Fast Funding

When approved, loan funds are typically deposited directly into your checking account as soon as the next business day.

Flexible Options

Whether you need a small $200 payday advance or a larger $2,000 Flex loan line of credit, our network offers varied solutions.

No Obligation to Accept

You are never required to accept a loan offer. You can review the lender's terms completely risk-free before signing.

What Our Customers Say

Fast and easy when my car broke down

My alternator went out right before a busy work week. I applied through the site on Tuesday afternoon, got connected with a lender, and had the $400 I needed by Wednesday morning. It saved me from losing my job.

Marcus Jenkins ·Memphis, TN

Helpful but read the terms

The process was incredibly smooth and I appreciated that they didn't judge my credit score. The fees are high, which is standard for Tennessee, but the lender was very transparent about the cost before I signed.

Sarah Washington ·Germantown, TN

Covered my unexpected medical bill

I had a co-pay I couldn't cover right away. Found this service searching for Memphis loans and it took maybe 5 minutes to fill out the form. Got a call back from a local TN lender within an hour.

David Chen ·Bartlett, TN

Great matching service

I've tried applying directly to places before and kept getting denied. Using this site, they matched me with someone who actually does flex loans in TN. Was able to get a $1,200 line of credit.

Linda Robinson ·Memphis, TN

Straightforward process

Needed a bridge between paychecks due to a cut in hours. The site was easy to use on my phone. The only reason for 4 stars is that my bank held the deposit an extra day, but that wasn't the lender's fault.

James Patterson ·Collierville, TN

Payday Loan and Cash Advance Stores in Memphis, TN

Borrowers in Memphis can visit these local stores for immediate financial assistance or apply online through our convenient matching service to find the right loan option for their needs.

ACE Cash Express

3310 Jackson Ave, Memphis, TN 38122

Payday Loans (901) 324-9965 Mon-Fri 9am-7pm, Sat 9am-6pm

Tennessee Title Loans, Inc.

4065 Jackson Avenue, Memphis, TN 38128

Title Loans (901) 372-1939 Mon-Fri 10am-6pm, Sat 10am-5pm

Speedy Cash

1213 Getwell Road, Memphis, TN 38111

Cash Advance (901) 327-8383 Mon-Fri 9am-6pm, Sat 9am-4pm

LendNation

3204 South Perkins Rd, Memphis, TN 38118

Payday Loans (901) 795-5084 Mon-Fri 9am-6pm

Advance America

3431 Austin Peay Hwy, Memphis, TN 38128

Payday Loans (901) 386-3017 Mon-Thu 10am-6pm, Fri 9am-7pm, Sat 9am-2pm

TitleMax Title Loans

7243 Stage Road, Memphis, TN 38133

Title Loans (901) 590-1357 Mon-Fri 9am-7pm, Sat 10am-4pm

TitleMax Title Loans

3190 Summer Avenue, Memphis, TN 38112

Title Loans (901) 590-1139 Mon-Fri 9am-7pm, Sat 10am-4pm

Tennessee Title Loans, Inc.

3906 Park Avenue, Memphis, TN 38111

Title Loans (901) 323-3226 Mon-Fri 10am-6pm, Sat 10am-5pm

American Cash Advance & Quik Lend

3921 Park Ave, Memphis, TN 38111

Cash Advance (901) 257-3061 Mon-Fri 9am-6pm

Americash

3624 Austin Peay Hwy Ste 3, Memphis, TN 38128

Check Cashing (901) 382-0700 Mon-Fri 9am-6pm

Cash Depot

3638 Park Ave, Memphis, TN 38111

Cash Advance (901) 327-7779 Mon-Fri 9am-6pm

ACE Cash Express

1300 E Shelby Dr, Memphis, TN 38116

Check Cashing (901) 345-5676 Mon-Fri 9am-7pm, Sat 9am-6pm

Frequently Asked Questions

Is payday lending legal in Memphis, TN?

Yes, payday lending (officially called deferred presentment services) is legal and heavily regulated by the state of Tennessee. The Tennessee Department of Financial Institutions oversees the industry to ensure lenders comply with state fee and amount limits.

How much can I borrow in Memphis?

For traditional payday loans, Tennessee law sets the maximum loan amount at $500. However, if you qualify for a Flex Loan (an open-end line of credit), the maximum outstanding principal balance can be up to $4,000.

What is a Flex Loan in Tennessee?

A Flex Loan is an open-end line of credit permitted under the Tennessee Flexible Credit Act. Unlike a payday loan that must be paid back in a single lump sum, a Flex Loan allows you to draw cash up to your credit limit and pay it back over time, with minimum monthly payments.

Can I get a loan with bad credit in Memphis?

Yes, consumers with less-than-perfect credit can still request a loan. Many of the lenders in our network look at your current income and ability to repay the loan, rather than relying solely on traditional FICO credit scores.

How fast will I get the funds?

If connected with a lender and approved, funds are typically deposited into your checking account as soon as the next business day. Some lenders may offer faster funding options, but times vary based on your bank's processing schedule.

Can I roll over my payday loan in Tennessee?

No. Under Tennessee law, payday lenders are prohibited from renewing or rolling over a deferred presentment loan. You must pay off your existing loan before you can take out another one.

What happens if I cannot repay my loan on time?

If you miss a payment or default, lenders may charge late fees or non-sufficient funds (NSF) fees as outlined in your contract. For Flex Loans, daily fees and interest will continue to accrue. If you anticipate missing a payment, contact your lender immediately to discuss your options.

Are there alternatives to payday loans in Memphis?

Yes, Memphis residents should explore all options before taking out a high-interest loan. Alternatives include borrowing from family, requesting an employer paycheck advance, applying for a Payday Alternative Loan (PAL) at a local credit union, or seeking assistance through Memphis community action agencies.

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