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Short-term loans in Jackson, Tennessee

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Before you borrow, make sure you know the laws and compare lenders for the best deal.

Payday and other short-term lenders must abide by the regulations of Tennessee when you borrow in Jackson. There are limits in place to help protect you, but you’ll still need to know what to look out for when you’re ready to borrow.

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

    Can I get a payday loan in Jackson, Tennessee?

    Yes. Payday loans are legal throughout Tennessee and are governed by Tennessee Revised Statutes 45-17-101 et seq. These regulations apply to all lenders, whether they’re located in Jackson or another city.

    You’ll face a few limits when you borrow. Maximum loan amount depends on how you apply. Those who visit a store may qualify for as much as $500, while online applications can only borrow up to $425. Terms are set at 31 days or less, and lenders may only charge you 15% of the loan amount in financing fees. This means a payday loan of $500 will cost $575 when it’s due.

    Consider these online lenders for a short-term loan

    Rates last updated February 19th, 2019
    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
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    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.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    ACE Cash Express Short-term 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.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for 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.

    Compare up to 4 providers

    What do I need to apply?

    Although exact eligibility requirements will differ between lenders, you’ll have to meet some basic points when you want to apply.

    • You must have a steady source of income
    • You must be a US citizen or permanent resident
    • You must be at least 18 years old

    Lenders also require you to provide some basic information about yourself, including:

    • 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
    • Your income, pay frequency and bank account details

    Where to find short-term loans in Jackson

    Short-term loan locations near me in Jackson, TN

    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

    Must read: Be cautious of limited loan terms

    Tennessee state law caps payday loan terms at 31 days. This can be convenient for some — after all, there won’t be time for interest to accumulate — but it can also make repaying your loan difficult. Some borrowers have a hard time making their payment, especially after borrowing a larger loan.

    If you aren’t sure that you’ll be able to meet your payment, consider some short-term loan alternatives before borrowing.

    What are my other short-term loan options in Jackson?

    Payday loans may be convenient, but with the short loan term and small amount, you may want to explore other short-term loans if you need more than $500 or 31 days.

    • Auto title loans. There are quite a few auto title loan lenders throughout Tennessee. Many often offer slightly lower interest rates than you’d find with a payday or installment loan, but at a greater risk: If you fail to repay, you could have your car repossessed.
    • Installment loans. Installment loans, sometimes also called flex loans, are similar to payday loans but often allow you to borrow more over a longer term. And while this can keep your monthly payment lower, it typically also means you’ll pay more in interest than with a payday loan.
    • Bad credit personal loans. Bad credit personal loans often encompass installment loans and auto title loans, but can also include things like credit builder loans, which are designed to help borrowers improve their scores.

    Bottom line

    Jackson doesn’t have any specific payday loan regulations that differ from Tennessee’s payday loan laws. You’ll face a limited loan amount and loan term, which can help you save money but may also make it more difficult to repay what you owe.

    Before you borrow, make sure your lender is registered and check out our guide to payday lending so you know exactly how the process works.

    Frequently asked questions

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    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

    Apply for a short-term loan with an easy online application and dedicated customer service.

    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.

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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