Payday Loans in Louisville, Tennessee

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

Company nameAddressZip codePhone number
NORTH STATE ACCEPTANCE 713 Volunteer Pkwy 4, Bristol, TN 37620 +1 (423) 652 - 6071
Tennessee Title Loans, Inc. 1295D U.S. 51 Bypass North, Dyersburg, TN 38024 +1 (731) 287 - 1761
Cadillac Cash Advance 406 N Lindell St, Martin, TN 38237 +1 (731) 281 - 7120
Cash America Pawn 5110 TN-153, Hixson, TN 37343 +1 (423) 877 - 7390
SunTrust 4929 Main St, Spring Hill, TN 37174 +1 (615) 472 - 9562
Johnsonville TVA Employees Credit Union 213 Long St, New Johnsonville, TN 37134 +1 (931) 535 - 9000
Check & Cash Depot 1593 Coleman Dr, Humboldt, TN 38343 +1 (731) 784 - 4005
Navy Federal Credit Union - ATM 2880 Wolf Creek Pkwy Suite 1315, Memphis, TN 38133 +1 (888) 842 - 6328
Mill Street Check Cashing 816 Mill St, Pulaski, TN 38478 +1 (931) 207 - 8947
General Credit Co West 5416 Charlotte Ave, Nashville, TN 37209 +1 (615) 383 - 9965

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Louisville, TN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Smyrna, TN, Payday Loans in Spring Hill, TN, Quick Loan in Brentwood, TN, Online Loans in Chattanooga, TN, Payday Loans in Clarksville, TN, Bad Credit Loans in Cleveland, TN, Payday Loans in Collierville, TN and Payday Loan Companies 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 Louisville, TN.

Beautiful sights of Louisville, TN

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

37777

Are Payday Loans Legal In Louisville, 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

Louisville, TN payday loan calculator

Payday Loans in Louisville, Tennessee – Everything You Need to Know

Many people face financial emergencies that demand instant cash but might not have ready access to funds when such occasions arise. In such cases, payday loans can provide a lifeline, especially when you need quick cash. In Tennessee, payday loans are legal and available to consumers who need urgent financial assistance.

However, getting access to payday loans requires understanding the laws and regulations governing them. Additionally, you should ensure you work with a licensed lender or connecting service to avoid falling prey to scams. Here is everything you need to know about payday loans in Louisville, Tennessee.

How Payday Loans Work in Louisville, Tennessee?

A payday loan works by providing you with instant cash that you’ll repay on your next payday. The amount borrowed usually ranges from $50 to $1000, and the repayment period is usually between 14 and 30 days.

Payday loans are also accessible to people with poor credit scores or no credit history. Lenders may only require proof of employment and a valid checking account to approve a loan.

Payday Loan Regulations in Louisville, Tennessee

All payday loan lenders are required to operate under state regulations and avoid charging more than the legal maximum interest rates. In Tennessee, payday lenders may charge up to $15 per $100 borrowed and an additional $ 17.65 for each loan borrowed. Additionally, the maximum loan amount is $425, and the repayment period should not exceed 31 days.

The regulations aim to protect consumers from exploitation by payday lenders and prevent them from entering a cycle of debt.

Why Should You Consider a Payday Loan?

Payday loans can be a way to address financial emergencies or unexpected bills before your next paycheck. Here are some of the reasons people consider payday loans in Louisville:

  • Utility bills or rent are due, and you don’t have the necessary cash to make payments.
  • Your car broke down, and you can’t afford to get it fixed
  • You need medicine or other urgent medical attention
  • Other emergencies such as house repairs, groceries shopping, or travel emergencies

Whatever the case may be, bear in mind that payday loans should not be viewed as an option for long term financial needs.

How to Apply for a Payday Loan in Louisville, Tennessee?

Applying for a payday loan in Louisville, Tennessee, is a relatively straightforward process. Here are the simple steps to follow:

  • Visit a local lender with a valid ID, proof of employment, and a bank account or apply online via a licensed connecting service like TheGuaranteedLoans.
  • Fill out the required information, which typically includes the loan amount, your personal information, and employment status.
  • The lender will review your application and decide whether to approve or reject your loan. If approved, you’ll receive the funds in your bank account within a day or less.
  • On the due date, the lender will automatically deduct the loan amount and interest from your checking account.

Interesting Facts and Statistics about Payday Loans in Louisville, Tennessee

  • In 2019, the average payday loan amount in Tennessee was $318, with an average annual interest rate of 459%.
  • According to reports from Tennesee Department of Financial Institutions, the number of legal payday lenders in the state decreased from 1,232 in 2016 to 1,182 in 2019.
  • The payday loan industry issues over $40 billion in loans each year to over 19 million American households.
  • Most payday loan borrowers in America earn an income of fewer than $40,000 a year, and the majority are under the age of 45.

Apply Now

If you need a payday loan in Louisville, Tennessee, we recommend working with a licensed and trustworthy connecting service like TheGuaranteedLoans.

Please note that we are not a direct lender and do not charge any fees. We work as a connecting service between you and potential lenders and enable you to access instant loans with a simple application process.

To apply for a payday loan, visit our website and fill out the online application form. Our team will then connect you with potential lenders, and once approved, you can receive your funds in as little as 24 hours.

Final Thoughts

Payday loans can be helpful during emergencies, but they should only be used as a last resort. You must also work with licensed lenders and connecting services to avoid falling prey to scams or fraud. If you decide to take out a payday loan, ensure that you understand the laws and regulations governing them.

At TheGuaranteedLoans, we pride ourselves on being a reliable and trustworthy connecting service. We are dedicated to connecting clients with licensed lenders who can provide appropriate loans for their financial needs. Apply today to access the cash you need in Louisville, Tennessee.

F.A.Q.

Is it possible to negotiate a lower interest rate or fee on a payday loan in Louisville, Tennessee?

It is possible to negotiate a lower interest rate or fee on a payday loan in Louisville, Tennessee, but it will depend on the lender and the terms of the loan agreement. You can try to negotiate a lower rate or fee with the lender, but they are not required to agree to your request.

Can I be charged for early repayment of a payday loan in Louisville, Tennessee?

No, you cannot be charged for early repayment of a payday loan in Louisville, Tennessee. In fact, it is generally encouraged to pay off your payday loan as soon as possible to avoid additional fees and interest charges.