Payday Loans in Cedar Grove, Tennessee

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No payday loan companies in Cedar Grove, TN. Consider companies in other cities:

Company nameAddressZip codePhone number
Advance America 4564 Chapman Hwy, Knoxville, TN 37920 +1 (865) 573 - 3010
Apex Bank 102 E Main St, Camden, TN 38320 +1 (731) 584 - 8236
INSOUTH Bank 111 S Washington Ave, Brownsville, TN 38012 +1 (731) 772 - 1201
A1 Quick Cash 719 N Chancery St 3, McMinnville, TN 37110 +1 (931) 474 - 8836
BB&T 302 Village Square, Loudon, TN 37774 +1 (865) 458 - 7341
Covington Credit 919 Main St, New Tazewell, TN 37825 +1 (423) 526 - 5739
Republic Finance 1113 Murfreesboro Rd #413, Franklin, TN 37064 +1 (615) 599 - 5622
Northeast Community Credit Union 980 Jason Witten Way, Elizabethton, TN 37643 +1 (423) 547 - 1200
Cash Express 614 TN-52 Bypass, Lafayette, TN 37083 +1 (615) 666 - 8658
Check Into Cash 2510 E Andrew Johnson Hwy, Greeneville, TN 37745 +1 (423) 639 - 6584

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cedar Grove, TN, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Collierville, TN, Same Day Loans in Columbia, TN, Emergency Loan in Cookeville, TN, Payday Loans in Franklin, TN, Online Loans in Gallatin, TN, Short-term Loans in Germantown, TN, Payday Loans in Hendersonville, TN and Payday Loans in Jackson, TN. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Cedar Grove, TN.

Useful Articles

Are Payday Loans Legal In Cedar Grove, Tennessee?

Loan Rates and Fees, Laws and Regulations in Tennessee.

Legal StatusLegal
Interest Rate (APR, %)460
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges15% of the amount of the check

Cedar Grove, TN payday loan calculator

Advise to read before applying

Understanding Payday Loans in Cedar Grove, Tennessee

If you live in Cedar Grove, Tennessee, and are in need of emergency cash, a payday loan could be a solution for you. Payday loans are short-term loans intended to be repaid on the borrower’s next payday, which typically ranges from two weeks to a month. These loans are often used to cover unexpected bills or emergencies that can’t wait until the next paycheck. Although payday loans come with high interest rates and fees, they can provide a necessary lifeline for those in difficult financial situations.

Are Payday Loans Legal in Tennessee?

Yes, payday loans are legal in Tennessee. However, there are certain regulations that lenders must follow. For example, lenders cannot lend more than $425 and must cap their fees at 15% of the loan amount. Additionally, lenders must provide borrowers with a written agreement outlining the loan terms and conditions. This agreement should include the total amount that will be repaid, including both principal and fees.

How to Apply for a Payday Loan in Cedar Grove, Tennessee

To apply for a payday loan in Cedar Grove, Tennessee, you’ll need to visit a lender or apply online. While visiting a physical lender may be more convenient for some, applying online offers many benefits such as easy access and quick approval times. At TheGuaranteedLoans, we offer a simple online application process that connects you with potential lenders. You can conveniently apply from anywhere with internet access and receive an instant decision on your application.

Benefits of Payday Loans

While payday loans come with high fees and interest rates, they can be beneficial in certain situations. Some of the benefits of payday loans include:

  • Quick access to cash
  • No credit check required
  • Simplified application process
  • Flexible repayment options
  • Borrowers with bad credit can still apply

Interest Rates and Fees

Payday loans are notorious for their high interest rates and fees. In Cedar Grove, Tennessee, lenders are required to cap their fees at 15% of the total loan amount and cannot lend more than $425. For example, if you borrow $300, you can expect to pay $45 in fees on top of the principal amount. This means the total amount you’ll need to repay is $345. It’s important to carefully read your loan agreement and understand the fees and interest rates associated with your loan before accepting the funds.

What Happens if You Can’t Repay Your Payday Loan?

If you are unable to repay your payday loan on time, you can request an extension or rollover. This allows you to extend the repayment period and pay the loan back in installments rather than all at once. However, extending the repayment period can lead to higher fees and interest rates. If you default on your loan, the lender may take legal action to recover the funds. Therefore, it’s important to carefully consider your ability to repay the loan before accepting the funds.

Interesting Facts and Statistics about Payday Loans in Cedar Grove, Tennessee

– The average payday loan in Tennessee is $318.
– In Tennessee, borrowers can rollover their payday loan up to three times.
– 13% of Tennesseans have used a payday loan.
– In 2020, Tennessee payday loan lenders reported collecting over $400 million in fees and interest.

Apply Now

If you’re in need of emergency cash in Cedar Grove, Tennessee, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is fast and secure, and you can receive an instant decision on your application. Remember, payday loans should only be used as a last resort. If you’re struggling with debt or financial hardship, consider seeking help from a financial advisor or credit counselor.

Disclaimer: TheGuaranteedLoans is a connector service, not a direct lender. We do not make loan decisions, and we do not provide loans ourselves. Our service is designed to connect borrowers with potential lenders. If you are approved for a loan, the lender will provide you with the loan terms and conditions. Please read the loan agreement carefully and ensure that you understand the fees and interest rates associated with the loan before accepting the funds.

In conclusion, payday loans can provide a necessary lifeline for those in difficult financial situations. However, they also come with high fees and interest rates that can lead to debt and financial instability. If you’re considering a payday loan in Cedar Grove, Tennessee, it’s important to carefully consider your ability to repay the loan before accepting the funds.

F.A.Q.

What are the eligibility requirements for payday loans in Cedar Grove, Tennessee?

To be eligible for a payday loan in Cedar Grove, Tennessee, you must be at least 18 years old, have a valid government-issued ID, proof of income, and an active checking account. Lenders may also require that you have a minimum credit score, but this varies by lender.

How much can I borrow with a payday loan in Cedar Grove, Tennessee?

The maximum amount you can borrow with a payday loan in Cedar Grove, Tennessee is $500, and the maximum loan term is 31 days. However, lenders may offer different loan amounts and terms, so it's important to compare your options carefully before choosing a lender.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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