Payday Loans in Shawanee, Tennessee

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

Company nameAddressZip codePhone number
Cash Express 3624 Maynardville Hwy #1, Maynardville, TN 37807 +1 (865) 745 - 1123
Loan By Phone 201 Keith St SW # 80, Cleveland, TN 37311 +1 (877) 244 - 8254
World Finance Corporation 100 Tulsa Rd #4, Oak Ridge, TN 37830 +1 (865) 483 - 8610
1st Franklin Financial 1115 E Morris Blvd, Morristown, TN 37813 +1 (423) 587 - 9092
Cash Co of Church Hill 1118 Highway 11 W # E, Church Hill, TN 37642 +1 (423) 357 - 2274
Payday Plus 457 Marilyn Ln, Alcoa, TN 37701 +1 (865) 982 - 9798
Citizens Tri-County Bank 402 N Cedar Ave, South Pittsburg, TN 37380 +1 (423) 837 - 8645
Advance America 2708 N Roan St, Johnson City, TN 37601 +1 (423) 282 - 8535
Johnsonville TVA Employees Credit Union 213 Long St, New Johnsonville, TN 37134 +1 (931) 535 - 9000
Service Loan 824 McArthur St # C, Manchester, TN 37355 +1 (931) 728 - 1288

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Shawanee, TN, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Collierville, TN, Payday Loans in Columbia, TN, Payday Loans in Cookeville, TN, No Credit Check Loans in Franklin, TN, Payday Loan Without a Credit Check in Gallatin, TN, 24-Hour Loan in Germantown, TN, Payday Loan for 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 Shawanee, TN.

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Are Payday Loans Legal In Shawanee, 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

Shawanee, TN payday loan calculator

Advise to read before applying

Payday Loans in Shawanee, Tennessee

When unexpected expenses arise, payday loans can be an effective way to cover the costs until your next paycheck. If you live in Shawanee, Tennessee, you’re in luck – payday loans are legal in the state of Tennessee. In this article, we’ll discuss everything you need to know about payday loans in Shawanee.

What is a payday loan?

A payday loan is a small, short-term loan that is typically due on your next payday. It’s designed to help you cover unexpected expenses, such as car repairs or medical bills, until you receive your next paycheck. Payday loans are usually easy to obtain and require minimal documentation.

What are the requirements for a payday loan in Shawanee?

Requirements for obtaining a payday loan in Shawanee vary depending on the lender, but typically include:

  • Being at least 18 years old
  • Having a valid government-issued ID
  • Providing proof of income
  • Having an active checking account

How much can I borrow?

In the state of Tennessee, the maximum amount you can borrow for a payday loan is $500, and the loan term cannot exceed 31 days. The amount you can borrow will depend on your income and the lender’s policies.

What are the fees and interest rates for a payday loan in Shawanee?

The fees and interest rates for payday loans vary by lender and are regulated by the state of Tennessee. According to state law, the maximum Annual Percentage Rate (APR) that lenders can charge for payday loans is 460%. This means that if you borrow $100, the maximum fee a lender can charge is $15. In addition, lenders are required to disclose all fees and interest rates in writing before you sign a loan agreement.

What happens if I can’t repay my payday loan on time?

If you’re unable to repay your payday loan on time, the lender may charge additional fees and interest rates, and the loan may be extended or rolled over. However, it’s important to note that rolling over a payday loan can result in high fees and interest rates, which can make it difficult to repay the loan in full. In addition, multiple rollovers can lead to a cycle of debt that can be difficult to break.

Interesting Facts and Statistics about Payday Loans in Shawanee, Tennessee

  • In Tennessee, the average payday loan is $375.
  • According to a study by the Pew Charitable Trusts, 12 million Americans take out payday loans each year, with the majority of borrowers using them for recurring expenses such as rent, mortgage payments, or other bills.
  • Tennessee is one of 24 states that allow payday lending but has the highest payday lending usage rate in the country.
  • The average APR for payday loans in Tennessee is 426%, which is higher than the national average of 391%.

Apply Now

If you’re in need of a payday loan in Shawanee, Tennessee, TheGuaranteedLoans can help. As a connector service, we can facilitate your connection with potential lenders and help you find a loan that meets your needs. Visit our website to fill out an online application today.

Remember, payday loans are a short-term solution to a financial problem and should not be used as a long-term solution. It’s important to borrow only what you can afford to repay and to avoid multiple rollovers or extensions. If you have questions or concerns about payday loans in Shawanee, contact your lender or a financial advisor for guidance.

F.A.Q.

What are the alternatives to payday loans in Shawanee, Tennessee?

There are several alternatives to payday loans in Shawanee, Tennessee, including borrowing from friends or family, using credit cards, or applying for a small personal loan from a bank or credit union. Some organizations, such as the Tennessee Department of Financial Institutions, may also offer low-cost or no-interest loans to eligible borrowers. It is important to compare the costs and terms of these options before deciding on a payday loan.

Can I be charged additional fees or penalties if I am unable to repay my payday loan on time in Shawanee, Tennessee?

Yes, you may be charged additional fees or penalties if you are unable to repay your payday loan on time in Shawanee, Tennessee. It is important to carefully review the terms and conditions of your loan agreement to understand any potential fees or penalties.

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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