Payday Loans in Dukedom, Tennessee

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

Company nameAddressZip codePhone number
Title Cash Title & Payday Loans 903 E Wood St, Paris, TN 38242 +1 (731) 642 - 3388
CCA Convenient Check Advance And ABI Title Loans 1406 US-70, Dickson, TN 37055 +1 (615) 441 - 6693
Easy Cash Store 408 N Spring St Ste C, Sparta, TN 38583 +1 (844) 335 - 5099
Check & Cash Depot 1593 Coleman Dr, Humboldt, TN 38343 +1 (731) 784 - 4005
Already Approved Cash Advance 6007 Ringgold Rd C, Chattanooga, TN 37412 +1 (423) 510 - 0644
Security Finance 206 E Reelfoot Ave Suite 5, Union City, TN 38261 +1 (731) 885 - 7707
Money Mart 980 E Main St, Brownsville, TN 38012 +1 (731) 772 - 5355
Covington Credit 1072 N Main Ave Ste 3, Erwin, TN 37650 +1 (423) 743 - 0099
Check Advance 5022 Rossville Blvd, Chattanooga, TN 37407 +1 (423) 867 - 2200
Simmons Bank 117 Raymond Hirsch Pkwy, White House, TN 37188 +1 (615) 285 - 2265

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dukedom, TN, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Smyrna, TN, Payday Loans in Spring Hill, TN, Payday Loans in Brentwood, TN, Payday Loans in Chattanooga, TN, Emergency Loan in Clarksville, TN, Payday Loans in Cleveland, TN, Payday Loans in Collierville, TN and Payday Loans in Columbia, 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 Dukedom, TN.

Useful Articles

Are Payday Loans Legal In Dukedom, 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

Dukedom, TN payday loan calculator

Advise to read before applying

The Ins and Outs of Payday Loans in Dukedom, Tennessee

In the State of Tennessee, payday loans provide a viable option to individuals facing unforeseen financial emergencies. While the loans can be a lifesaver when used correctly, they can easily spiral out of control and leave borrowers in a worse financial situation than they were before. In this comprehensive guide, we’ll dive into the nitty-gritty details of payday loans in Dukedom, Tennessee.

What are Payday Loans?

Payday loans are small, short-term loans that individuals can take out when facing financial emergencies. The loans are designed to provide quick cash to borrowers who can pay it back on their next payday. In Tennessee, payday loans are legal and tightly regulated to ensure consumer protection.

How do Payday Loans Work?

Payday loans are different from traditional loans. Borrowers are required to provide proof of income and a bank account from which the loan amount can be withdrawn on their next payday. The loan amount, plus an agreed-upon fee, is typically due within 14 to 30 days.

The loan process typically involves the following steps:

  • Fill out an online application
  • Provide proof of income
  • Provide a valid checking account
  • Receive loan offer
  • Accept or decline the offer
  • Repay the loan on the agreed-upon date

Requirements for Payday Loans in Dukedom, Tennessee

To qualify for a payday loan in Dukedom, Tennessee, borrowers must:

  • Be at least 18 years old
  • Have a valid government-issued ID
  • Provide proof of income
  • Have an active checking account

The laws regarding payday loans may vary from state to state. In Dukedom, Tennessee, payday loans are legal, but the state has implemented strict rules to protect consumers.

What are the Fees and Charges Involved?

The state of Tennessee allows lenders to charge up to 15% of the total loan amount as fees. For instance, if a person borrows $100, they will pay $15 as fees, making the total to be repaid to be $115. Additionally, the state of Tennessee allows a maximum loan amount of $500, and borrowers may not take out more than one payday loan at a time.

The Risks of Payday Loans

While payday loans may seem like a quick solution to financial problems, borrowers must consider the risks involved before taking out a loan. The high fees and interest rates attached to payday loans can lead to borrowers being stuck in a cycle of debt. Defaulting on a payday loan can lead to additional fees, penalties, and even legal action.

Borrowers must, therefore, ensure that they can repay the loan within the agreed-upon time to avoid spiraling into more financial problems.

Interesting Facts and Statistics on Payday Loans in Dukedom, Tennessee

  • More than 1,200 payday lenders operate in Tennessee, making it the 6th largest state in terms of payday loan saturation.
  • The average payday loan in Tennessee is $221. The average interest rate on a payday loan in Tennessee is 459%.
  • The state of Tennessee has implemented strict payday lending laws, including capping loan amounts at $500 and limiting fees to 15% of the loan amount.
  • Only 17% of payday loan borrowers in Tennessee can repay the loan on time, leading to rollovers and additional fees.

Apply Now

If you find yourself in a financial emergency and are considering a payday loan, TheGuaranteedLoans can help connect you with a network of lenders who can provide you with the financial assistance you need. Fill out the online application form, and we will facilitate the connection process with potential lenders. It’s important to note that TheGuaranteedLoans is a connector service, not a direct lender. We do not guarantee loan approval, and we encourage borrowers to evaluate their financial situation carefully before taking out a payday loan.

In conclusion, payday loans in Dukedom, Tennessee, can provide a quick solution to unexpected financial emergencies. However, borrowers must consider the risks involved and ensure that they can repay the loan on time. By following the state laws and considering the risks involved, borrowers can use payday loans to their advantage and avoid falling into a cycle of debt.

F.A.Q.

Are there any limits on the amount I can borrow through a payday loan in Dukedom, Tennessee?

Yes, there are limits on the amount you can borrow through a payday loan in Dukedom, Tennessee. The maximum amount you can borrow is $500, and the maximum term of the loan is 31 days. These limits are set by the Tennessee Department of Financial Institutions to protect consumers from excessive borrowing and high interest rates.

Is there a cooling-off period for payday loans in Dukedom, Tennessee?

Yes, there is a cooling-off period for payday loans in Dukedom, Tennessee. After you have taken out and repaid four consecutive payday loans, you must wait at least 48 hours before taking out another loan. This cooling-off period is designed to give borrowers time to evaluate their financial situation and determine if they can afford to take on more debt.

Look for Short-Term Loans in Other Cities:

Brentwood Bristol Chattanooga Clarksville Cleveland Collierville Columbia Cookeville Dickson Franklin Gallatin Germantown Hendersonville Jackson Johnson City Kingsport Knoxville La Vergne Lebanon Maryville Memphis Mount Juliet Murfreesboro Smyrna Spring Hill
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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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