Payday Loans in Knoxville, TN
at 4709 Papermill Dr NW unit 210, 37909
- (865) 500-5453
- Serving Knoxville for 3+ years
- 8:00 am – 10:00 pm (Monday–Friday)
- Open on Saturday
- Payday Loans, Installment Loans
- Online application 24/7
1F Cash Advance Store in Knoxville
When unexpected expenses or emergencies arise, 1F Cash Advance can help you access fast payday, installment, and personal loans in Knoxville from our reputable direct lenders. Visit our store and get instant cash or a same-day direct deposit for urgent situations. You can complete the process in just 10 minutes and receive up to $425 on the same day.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- SundayClosed
Daniel Harris
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Available Loan Products
1F Cash Advance helps you access a range of flexible loan products, allowing you to choose the option that works best for you.
Payday Loans
Max. amount $425
A payday loan is a short-term solution that helps you cover unexpected expenses or small emergencies. It provides you with cash quickly and must be repaid by your next paycheck, typically within 2 to 4 weeks. You can receive up to $425 to cover car repairs, unforeseen medical expenses, or minor utility bills.
Installment Loans
Max. amount $5,000
An installment loan offers more convenient repayment options, with fixed monthly payments made over the loan term. You can get up to $5,000 for up to 24 months. It can be a good fit for longer-term needs while keeping your payments manageable.
How to Get an In-Store Loan
Follow these steps to apply for a loan at our location:
Visit our store
Our team will help you complete a short application form in just a few minutes.
Wait for an approval decision
Once your application details are verified, you will receive an answer from one of the lenders in our network.
Get your money in cash or via direct deposit
If approved, you will receive your loan immediately or have it deposited into your bank account by the end of the same day*
*If your application is approved by 10:30 am, funding is typically provided the same business day. Requests submitted after 10:30 am or on non-business days will be processed on the next business day.
Don’t Forget These Items
Here’s what you need to apply for a loan at a store:
- Valid US-issued photo ID
- Personal and contact information, such as your full name, email, cell phone number, and permanent address
- Social Security number
- Income verification (bank statements, pay stubs, etc.)
- Employer’s contact details
- Bank account details
Why Choose Us
1F Cash Advance is committed to providing fair financial solutions with best-in-class customer service. Here’s why you can trust us:
Licensed Lenders
Tennessee’s payday lending market isn’t left to run on trust alone. The state’s Department of Financial Institutions licenses every deferred presentment provider, tracks loan volume and fees collected statewide each year, and takes consumer complaints directly.1
Convenient Location
Our store is conveniently located for Knoxville residents and those from surrounding areas. We're easy to reach from surrounding cities, and we're open Monday through Saturday.
Friendly Team
Our friendly team will help you choose the best loan for your situation. Speak with one of our representatives to learn more about the options available and let them guide you through each step of the process.
Other Stores in Tennessee
951 Eastgate Loop suite 105, Chattanooga, TN 37411
1296 Union University Dr unit E, Jackson, TN 38305
Our Loans Are Not Intended for Long-Term Financial Needs
Payday loans are designed to help with short-term financial needs and emergencies, such as covering utility bills, paying urgent medical costs, or repairing a car. Do not use them as a long-term financial solution.
We promote responsible borrowing, which means you should borrow only what you need and can repay on time. Make sure you understand the terms and plan for repayment before committing. Look into other options for long-term financial help or larger, planned expenses. People with long-term financial problems and credit issues should seek professional counseling.
Having a bank account is still not a given for every household. About 4.2% of U.S. households (roughly 5.6 million of them) had no bank or credit union account at all in 2023, and that rate runs well above average for lower-income and disabled households. For many people in that position, a short-term option like this can be one of the few resources available on short notice, which is exactly why borrowing only what your next paycheck can cover is so important.2
FAQ
What is the cost of payday loans in TN?
The average annual percentage rate (APR) for payday loans in Tennessee is 460% for a 14-day loan. Finance charges cannot exceed 15% of the amount on the post-dated check. This means lenders cannot charge more than $17.65 for every $100 borrowed.
I need more than $425. What are my options?
If you need more money, consider getting an installment loan. You can get up to $5,000 with a lower interest rate and repay it with a fixed monthly payment. The maximum term is 24 months.
Can I qualify with a bad credit score?
Yes, our lenders offer bad credit loans in Knoxville, TN. They do not set any minimum credit score requirement and consider your ability to repay when deciding. You are welcome to apply if you can show a steady monthly income.
Are you a licensed company?
Yes. 1F Cash Advance follows the US Fair Lending laws and regulations and is licensed to operate in Tennessee.
Can I pay my loan early?
It is possible to repay the loan early, but terms depend on the specific loan agreement. Some lenders may charge prepayment penalties. Check your loan contract or contact your lender before repaying.
Can I cancel a payday loan?
Tennessee law, you may rescind your payday loan by 5:00 p.m. on the next business day after signing, at no cost. To exercise this right, contact your lender directly.
I don’t live in Tennessee, can I still apply for a cash advance?
If you're not a Tennessee resident, you cannot apply for cash advance loans in this state. However, you're welcome to visit our store in other jurisdictions. We offer services in California, Georgia, New Jersey, Ohio, Texas, and other states. Terms and loan availability vary widely by lender and local regulations, so the conditions may differ from what is offered in Tennessee.
Are there other loans available in Tennessee?
Yes. Several alternatives include payday alternative loans, online personal loans, cash advance apps, and lines of credit. However, they may have different terms and requirements.
Sources
- 1 Tennessee Department of Financial Institutions — 2023 Annual Report. September 2024.
- 2 FDIC — 2023 National Survey of Unbanked and Underbanked Households. November 2024.
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