Tennessee Payday Loans
- Easy application process
- Fast approval and funding
- Get up to $425 from a direct lender
- Apply online or in-store
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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When unexpected expenses or emergency bills arise, 1F Cash Advance is here to help. You can borrow up to $425 online with no hard credit check required. Apply for a Tennessee payday advance in just minutes, receive an instant approval decision, and access your funds the same day. Even with bad credit, you’re still eligible to apply.
How It Works Online & In-Store
Complete the application process in 3 steps and get your money fast:
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Submit your application form. Fill out an online form, visit one of our Tennessee stores, or do it via phone by calling (901) 519-3277.
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Get a loan decision. Your application will be quickly verified, and you'll get an instant approval decision.
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Receive the funds. Sign the documents and walk out with cash or get a direct deposit in your bank account on the same day*.
*Instant funding is only available to in-store applicants. Loans originated before 10:30 am CT on a business day are usually funded on the same day. Applicants who finalized their loans after 10:30 am CT or on weekends will receive the funds on the next business day.
What Do I Need to Apply?
We have easy qualifications and only ask for the following basic items:
- Valid government-issued photo ID
- Social Security Number
- Active bank account and routing numbers
- Proof of income
- Proof of Tennessee address
- Current phone number and email
Rates & Terms
Our Tennessee payday loans come with a fee of up to 15% of the check amount or $17.65 for every $100 borrowed. Check out the details for more information on the terms.
Here’s an example of a Tennessee payday advance fee schedule (14-day term):
| Loan Amount | Fee | APR | Total Cost |
|---|---|---|---|
| $100 | $17.6 | 458.86% | $117.6 |
| $150 | $26.4 | 458.86% | $176.4 |
| $200 | $35.2 | 458.86% | $235.2 |
| $250 | $44.0 | 458.86% | $294.0 |
| $300 | $52.8 | 458.86% | $352.8 |
| $350 | $61.6 | 458.86% | $411.6 |
| $400 | $70.4 | 458.86% | $470.4 |
| $425 | $74.8 | 458.86% | $499.8 |
Find 1F Cash Advance Store Near You
1F Cash Advance is always here to provide you with the cash you need. We offer personalized assistance across Tennessee in our physical stores.
Visit one of our state locations or find the one near you in other US states.
Find a StoreWhy Choose 1F Cash Advance
1F Cash Advance proudly serves Tennessee residents who find themselves in need of quick cash. We make borrowing money fast, convenient, and simple via our easy, online, paperless process with no hard credit check involved.
We offer online payday loans in TN with instant approval and same-day funding, allowing you to address your money problems fast. Not to mention, working with us is always safe. We care about your privacy and protect your information by adhering to strict security standards.
Discover What Our Customers Are Saying!
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
How much can I borrow with a payday loan?
Tennessee payday loans come with a maximum check amount of $500. This sum includes the lender's fee. The maximum amount you can get on hand is $425.
I need more than $425. What are my options?
For a higher amount, Tennessee residents can consider installment or flex loans. With an installment loan, you can borrow up to $5,000 and repay the funds within up to 24 months in affordable monthly installments. Flex loans provide you with access to a flexible line of credit of up to $4,000. You can draw money when needed and only pay interest on what you actually use.
Do I need good credit to qualify?
You don't need a perfect FICO score to qualify for our online loans in Tennessee. We accept borrowers with bad or no credit and look at your income verification, bank account history, employment status, payment history, and debts when deciding whether to approve you.
When will my payments be due?
The due date is typically set for your next payday, with the maximum repayment period for a Tennessee payday loan being 31 days.
Can I pay off my loan early?
Early repayment is usually possible with no penalties. However, you need to check the terms of your loan agreement, as some exceptions may apply.