Payday Loans in Nashville, Tennessee
Apply online in minutes, from your phone.
- 5-minute request, fast lender decision
- Soft credit check to prequalify
- Same-day funding available on weekday approvals
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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How to Apply from Nashville with 1F Cash Advance
Fill out the online form
The application is open 24/7 and takes about five minutes.
Get a decision
We check your details and pass them to lenders licensed in Tennessee, usually within the hour during business hours.
Receive the funds
Approved funds go straight to your bank account. Same-day cutoff: 11:30 am local time.*
*Same-day deposits are not available to all customers. Applications finalized after the cutoff or on weekends and bank holidays fund on the next business day. Approval is not guaranteed and depends on verification of your income and application details.
Loan Products Available in Nashville
Payday Loans
A small advance against a personal check you write today. The lender holds the check until the date in your agreement, and you repay the full amount in one payment. It is built for a short gap between paychecks.
Installment Loans
A larger loan you pay back in monthly payments, not all at once. It is usually unsecured and has a set end date. If you need a bigger amount or more time, this is often cheaper than a payday loan.
What You Need to Qualify
- Government-issued photo ID
- Social Security number
- Active checking account with a routing number
- Recent pay stub or other proof of income
- Proof of your Tennessee address
- Working phone number and email
- Age 18 or older
How 1F Cash Advance Works
1F Cash Advance is a loan connector and financial marketplace, not a direct lender. We do not fund loans, approve applications or set rates. We take one request and match it to lenders licensed in Tennessee and allowed to operate there.
- You submit one request. A single online form, free to use, with a soft check that does not affect your credit score.
- We route it to licensed lenders. Your details go to lenders authorized to operate in Tennessee, not to a single desk.
- The lender decides. If one makes an offer, that lender (not 1F Cash Advance) approves it, sets the rate and fee within state law, and funds the loan to your bank account.
Because the lender sets the terms, always read the rate and total cost in the offer before you accept.
Where to Get Payday Loan Nashville
Can You Get a Payday Loan in Nashville?
Yes. Payday lending is licensed in Tennessee, with three hard limits: $500 in outstanding checks, a fee capped at 15% of each check, and no more than 31 days to repay. A two-week loan at that fee equals about 460% APR.
Davidson County income climbed through 2023 and then barely moved in 2024. When earnings stall after a run of gains, budgets built on the old trend come up short, so size the check to what this year’s pay leaves after rent and fixed bills, not to the growth of past years.
Borrowing and Debt in Nashville: What the Numbers Show
Max check
Every check you have out, fee included, counts toward one ceiling set in state law
Source: Tennessee Department of Financial Institutions consumer notice
Percent of the check
The fee is a share of the check's face amount, not of the cash you walk out with
Source: Tennessee Department of Financial Institutions consumer notice
Triple-digit
The APR a two-week loan reaches at the state's maximum fee, whatever your income
Source: Tennessee Department of Financial Institutions consumer notice
$80,803
Median household income in Davidson County in 2024, the highest level in the table below
$8,796 above
How far Davidson County sat above the Tennessee median in 2024
No conviction
A borrower cannot be convicted under the state's worthless check law over a payday check
Source: Tennessee Department of Financial Institutions consumer notice
Davidson County median household income and Tennessee household debt, 2020 to 2024
| Year | Median income | Tennessee debt per person | After housing |
|---|---|---|---|
| 2020 | $64,418 | $44,080 | $3,758 |
| 2021 | $65,463 | $46,900 | $3,819 |
| 2022 | $72,561 | $51,160 | $4,233 |
| 2023 | $80,216 | $53,270 | $4,679 |
| 2024 | $80,803 | $54,720 | $4,714 |
County income comes from Census Bureau Small Area Income and Poverty Estimates; the debt column comes from the New York Fed Consumer Credit Panel. County income rose about twenty-five percent in five years, close to state debt per person. More than a third of households here spend thirty percent or more on housing.
A loan payment has to fit inside the last column, not the income beside it. Tennessee sets a flat ceiling instead of an income test, so the amount does not change with local earnings. The last column is a calculation, not a published figure: monthly county income after the standard housing share. It describes a typical household at the county median, not an approved loan amount.
Tennessee Law at a Glance
These are the payday rules for all of Tennessee, including Nashville. In plain terms: how much you can get, what it costs, and what happens if you cannot pay on time. Full detail is in the Department of Financial Institutions consumer notice.
| Item | Tennessee position |
|---|---|
| Governing law | Deferred Presentment Services Act, Tenn. Code Ann. §45-17-101 and following, overseen by the Department of Financial Institutions |
| Checks outstanding | No more than $500 in total face value, with no more than two checks at one lender or three in all |
| Fee | Up to 15% of the check’s face amount |
| Term | Up to 31 days |
| Renewal | Not allowed; a renewed or consolidated loan is void and cannot be enforced |
| Returned check | The lender may sue only for the face amount and court costs, with no other fees or attorney’s fees |
| Worthless check law | A borrower cannot be convicted under the state’s criminal worthless check law |
| Online lenders | Need a Tennessee license to lend to you while you are in the state |
Representative example: a check written at the top of the state limit carries a fee of up to $75, leaving about $425 in cash, and over 14 days that works out to about 460% APR. These are illustrative figures at the current limits, not quoted offers.
Other Ways to Cover an Emergency in Nashville
Credit union Payday Alternative Loans
Call a federal credit union and ask if they offer a Payday Alternative Loan (PAL). It is a small loan with a rate cap around 28% APR. You need to be a member. Several credit unions serve the Nashville area.
Bank small-dollar programs
Ask your own bank if they make small loans for existing customers. Some call them Balance Assist or Simple Loan. They often decide from your account history, and the cost is far below payday.
Employer and paycheck advances
Some employers and apps let you take a few hundred dollars of pay you already earned. Many charge no interest. Watch for tips and instant transfer fees.
Utility and assistance programs
If the problem is an electric or gas bill, call your Davidson County community action agency. Ask about LIHEAP and a payment plan. That is assistance, not a loan. Call before a shutoff.
Borrow Carefully
- Borrow the minimum, not the maximum. Take the amount that closes the gap. The fee grows with the amount advanced, so every extra dollar raises the charge.
- Price the loan in dollars, not percentages. Ask for the total cost of credit and the due date in cash, and weigh it against income you are sure will arrive.
- Protect the repayment date. Line the due date up with your pay schedule and keep the payment inside what remains after fixed bills. If you see a problem coming, talk to the lender before the date, not after it.
- Borrow for one-time gaps only. If the shortfall repeats, a loan postpones the problem. A budget review or a nonprofit credit counselor does more than any payday loan.
To verify a lender or file a complaint, contact the Tennessee Department of Financial Institutions or the federal CFPB.
Nashville Borrowers Ask
Can I roll my payday loan over into a new one?
Tennessee does not allow it. A payday loan cannot be renewed or folded into a new one, and a loan made that way is void and cannot be enforced. If you cannot repay on the due date, talk to the lender before that date about what it can do.
What happens after I file a complaint with the state?
An examiner in the Department of Financial Institutions reviews it and may contact you for more information. In most cases the complaint goes to the company for a response. The Department cannot act as your attorney or step into a case already in court.
Can I apply from my phone?
Yes. The request form works on a phone, stays open around the clock and takes about five minutes. Keep your pay stub and bank details handy, since the lender verifies your income and application details before deciding.
