Payday Loans in Hickory Valley, Tennessee

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

Company nameAddressZip codePhone number
Wofford's Check Cashing Services 1621 Spring Place Rd SE, Cleveland, TN 37311 +1 (423) 472 - 3456
Top Dollar Title & Payday Loans 7328 US-64, Oakland, TN 38060 +1 (901) 465 - 3624
Check Advance 3525 Keith St NW L, Cleveland, TN 37311 +1 (423) 472 - 7700
State Finance 1907 Carmack Blvd A, Columbia, TN 38401 +1 (931) 388 - 2468
Upper Cumberland Federal Credit Union 6829 S York Hwy, Clarkrange, TN 38553 +1 (931) 863 - 9433
Fast Cash 2161 Hillsboro Blvd 9, Manchester, TN 37355 +1 (931) 728 - 2223
Cash City 202 5th Ave N D, Franklin, TN 37064 +1 (615) 591 - 0054
Appalachian Lending Corporation 817 E Andrew Johnson Hwy, Greeneville, TN 37745 +1 (423) 638 - 1849
World Finance 704 W Market St Suite B, Bolivar, TN 38008 +1 (731) 659 - 2424
Regions Bank 2052 S Main St, Milan, TN 38358 +1 (731) 613 - 7080

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hickory Valley, TN, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Collierville, TN, Payday Loans in Columbia, TN, Payday Loans in Cookeville, TN, Quick Loan in Franklin, TN, Online Loans in Gallatin, TN, Emergency Loan 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 Hickory Valley, TN.

Payday Loans Available in Hickory Valley, TN By The Following ZIP Codes:

38042

Are Payday Loans Legal In Hickory Valley, 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

Hickory Valley, TN payday loan calculator

When times get tough financially, it’s easy to feel overwhelmed. Whether you’re dealing with unexpected expenses or simply struggling to make ends meet, payday loans can seem like an appealing option. In Hickory Valley, Tennessee, payday loans are legal and available to those in need of quick cash. However, there are important factors to consider before taking out a payday loan.

What is a Payday Loan?

A payday loan is a short-term, high-interest loan typically due on the borrower’s next payday. These loans are designed to provide quick cash to borrowers who may not qualify for traditional loans or credit cards due to poor credit or lack of a credit history.

The process of obtaining a payday loan is relatively simple. Borrowers provide proof of income and identification to the lender and receive a loan amount based on their income and ability to repay the loan. The loan is typically due in full, along with interest and fees, on the borrower’s next payday.

Pros and Cons of Payday Loans

While payday loans may seem like a lifesaver in the moment, it’s important to weigh the pros and cons before taking one out.

Pros:

  • Quick access to cash
  • No credit check required
  • Easy application process

Cons:

  • High interest rates and fees
  • Short repayment terms, leading to potential cycle of debt
  • Potential for predatory lending practices

It’s crucial to carefully read and understand the terms and conditions of a payday loan before signing on. Borrowers should be mindful of the high interest rates and fees associated with these loans, and the potential for falling into a cycle of debt if unable to repay the loan on time.

Payday Loans in Hickory Valley, Tennessee

Payday loans are legal in Tennessee, including Hickory Valley. Tennessee law regulates the terms and conditions of these loans to protect consumers from some of the worst predatory lending practices.

According to a 2020 report from the Tennessee Department of Financial Institutions, there were over 1.2 million payday loans taken out in the state in 2019, with an average loan amount of $375 and an average fee of $46. Loan terms ranged from 8 to 30 days.

Interesting Facts about Payday Loans in Hickory Valley, Tennessee

  • In Tennessee, the maximum amount a borrower can receive in a payday loan is $500.
  • Tennessee law requires lenders to provide borrowers with a written agreement outlining the terms and conditions of the loan.
  • The average annual percentage rate (APR) for payday loans in Tennessee is 426%.
  • State regulators received over 4,000 complaints about payday loans in Tennessee in 2019.

Apply Now

TheGuaranteedLoans is a connector service dedicated to helping borrowers in Hickory Valley, Tennessee and beyond connect with potential lenders. If you’re in need of quick cash and are considering a payday loan, we urge you to carefully consider the pros and cons and ensure you have a plan to repay the loan on time.

To begin the process, simply fill out our online application. We’ll ask for some basic information about your income, employment, and identification. Once you’ve completed the application, we’ll work to connect you with potential lenders who may be able to help.

Remember, TheGuaranteedLoans is not a direct lender and does not make credit decisions. Our goal is to facilitate the connection between borrowers and potential lenders to help you find the resources you need.

F.A.Q.

How do I qualify for a payday loan in Hickory Valley, Tennessee?

To qualify for a payday loan in Hickory Valley, Tennessee, you must be at least 18 years old, have a valid ID, and have a source of income. You may also need to provide proof of your residence and a bank account in order to receive the loan.

What are the interest rates for payday loans in Hickory Valley, Tennessee?

The interest rates for payday loans in Hickory Valley, Tennessee are determined by the lender and can vary depending on the amount of the loan and the borrower's credit history. Typically, the interest rates for these loans are higher than those for traditional loans due to the short-term nature of the loan.