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Short term loans in Jackson, Tennessee

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Before you take out a short term loan in Jackson, learn about the different laws and what they mean

When finances are tough, and you have poor credit, a short term loan my help. It’s important to understand the laws surrounding short term loans to protect yourself.

Are payday loans legal in Jackson?

Yes. Payday loans are legal in all of Tennessee. Tennessee Revised Statutes 45-17-101 et seq. govern short term loans, also called payday loans, in all of Tennessee. These laws apply to lenders in stores, online and over the phone.

If you would like to report a lender, you can file a complaint with the Tennessee Department of Commerce & Insurance.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure

    Consider these online lenders for short term loans in Jackson

    Check out these short term lenders to see if they operate in your state.

    Rates last updated June 18th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    $3,000
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    Varies
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers


    Why a short term loan in Jackson might work for you

    • Easy application. To apply and get a decision can take less than 15 minutes in store or online.
    • Get cash fast. You can get your funds same-day if you apply in store, or one business day online.
    • Poor credit accepted. Short term lenders usually look past poor credit so long as you meet their eligibility requirements and have a stable income.

    Is there any protection when you take out a short term loan in Jackson?

    • Maximum loan amount. $500 is the most you can borrow.
    • Limit on fees. Operational charges are not interest, and are limited to 15% of the original amount of the loan.
    • Loan term. 31 days is the maximum loan term.

    Here's how much a short term loan might cost in Jackson

    Vincent didn’t think he would have enough cash to get through the holidays. When his electric bill hit, he knew for sure he would need a little help to get himself to his next paycheck. Vincent ran into a little hardship earlier, and didn’t have perfect credit. Since he didn’t qualify for a personal loan, he decided to apply for a short term loan.

    He applied for a $400 loan in person, and was to repay the loan when he was next paid, in 14 days. The lender made it very clear that there would be a $70.58 fee, on top of the cost of the loan.

    The lender automatically debited the amount from his account on his next payday, so all Vincent had to do was properly budget for it.

    Had Vincent not been unable to make the payment, he could have faced a non-sufficient funds (NSF) and late fee. If he had to refinance the loan, it would have added additional fees and finance charges.

    Need to apply for a short term loan in Jackson? Here’s how

    Be sure you meet some basic eligibility requirements before you apply online or in store:

    • At least 18 or older
    • American citizen or a permanent resident of the US
    • Steady source of income
    • Checking account for online applicants

    In order to complete the application successfully, you’ll have to provide personal information:

    • Your name, home address, email address and phone number
    • Your date of birth, social security number and an acceptable form of ID
    • Your employer’s name, address and phone number
    • Details about your income
    • If applying online, your checking account details

    Short term loans near you in Jackson, Tennessee

    Short term loan offices near you in Jackson

    Here are loan offices locations in Jackson:

    • Advance America. Lynnwood Place Shopping Center, 955 North Pkwy, Jackson, TN 38305
    • Cash Express. 31 Bowling Dr, Jackson, TN 38305
    • Check Into Cash. 375 Vann Drive, Suites E & F, Jackson, TN 38305
    • CashMaster. 367 Vann Dr, Jackson, TN 38305
    • Jackson Cash Advance. 749 Old Hickory Blvd, Jackson, TN 38305
    • Money Now. 1660 S Highland Ave # B, Jackson, TN 38301
    • Speedee Cash. 1932 US-45 BYP, Jackson, TN 38305
    • Tennessee Title Loans, Inc. 301 S Highland Ave, Jackson, TN 38301
    • Title Cash Title & Payday Loans. 2037 S Highland Ave, Jackson, TN 38301
    • Western Finance. 367 Vann Dr #F, Jackson, TN 38305

    Where else are payday loans available?

    Image: Wikimedia Commons

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

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