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Best Payday Loans in Tennessee, Nashville and Memphis 

Are you looking to borrow $500, $800, or $1000 fast? We can help you find a quick payday loan with our online search across multiple lenders in Nashville, Memphis, or anywhere else in Tennessee! Even if you have bad credit or want a no credit check loan, you can receive an instant offer and have money in your account within 1 hour, 24 hours or by the next business day. Apply now!

Key Features of Payday Loans In Tennessee


Loan Amounts $100 to $35,000
Loan Terms 1 to 60 Months
APR 200% to 400%
Same Day Funding Yes
Bad Credit Yes
Direct Lenders Yes
Upfront Fees No

How Much Does a $500 Loan Cost in Tennessee?


This is a representative example. Terms vary from lender to lender.

If you borrowed $500 in Tennessee, with an APR of 460%, over the course of 31 days (the maximum loan term), you would repay $691.67.

Can I Apply For a Payday Loan in Tennessee and Memphis?

To be eligible, please ensure that you meet the following criteria:

  • Be a US citizen 
  • Be over the age of 18
  • Be in stable employment 
  • Have a monthly income of more than $800 
  • Have a live checking account to deposit your loan into
  • Have a social security number

How To Apply For a Payday Loan in Tennessee in 3 Simple Steps:

Step 1 – Apply With Harpsey Via Our Online Form
Step 2 – Get An Instant Offer For Your Payday Loan
Step 3 – Receive Money Into Your Account ASAP!

Why Should I Apply with Harpsey for a Payday Loan in Tennessee, Memphis or Nashville?


Here at Harpsey, we understand how easy it is to quickly find yourself in financial hardship due to an unforeseen expense, be that for emergency house repairs or medical expenses. Our free, online process could not make it simpler to get you a payday loan fast with a rate that is tailored to your credit history, whether that is good or bad. 

Our online form can be completed in 5 minutes and you will get an instant offer on your screen. If accepted, you could receive your funds into your live checking account within minutes. For larger loans your lender might require some additional checks, but you could certainly have the money by the next business day! 


What Happens If I Make a Late Repayment For My Loan in Tennessee?


Failing to make a repayment for your payday loan in Tennessee can have serious consequences so it is very important to know you can comfortably repay your loan before applying. If you fall behind on a repayment you could be charged a late fee, have increased interest on the loan and also negatively impact on your credit score. 

Always take time to consider how much money you actually need to borrow. If you over-borrow you could struggle to repay your payday loan and fall into further financial difficulty. 

Can I Get a Payday Loan in Tennessee Without a Credit Check?


Yes Our fully online search platform works to connect you to a lender most likely to approve you, so if you are looking for a no credit check loan, this could be considered! Don’t worry if you have a history of bad credit, our partners have experience working with customers with all credit backgrounds. 

A credit check is usually carried out for all customers to confirm you are eligible for a payday loan in Tennessee, however applying with Harpsey will leave no visible on your credit report and will not affect your credit rating in any way

Can I Get a Payday Loan in Tennessee With Bad Credit?


It is possible to get a payday loan in Tennessee with bad credit. As long as you meet the eligibility criteria including being in stable employment and are earning a minimum of $800, we could match you to a bad credit loans company tailored to your financial situation. 

Even if you have been turned away for a previous application by a bank, it is worth applying today through Harpsey to get an instant decision from multiple lenders. Click ‘Get Started’ now – this could be the first step in getting back to financial strength.


Can I Get a Loan With Guaranteed Approval in Tennessee?


Whilst it is not possible to guarantee approval for all customers for a payday loan in Tennessee, we will work our hardest to match you with a lender most likely to approve you from our wide network.

There are options for borrowers with bad or even no credit. Simply fill out the only form and let us know how much you are looking to borrow up to $35,000 and you could find yourself with an offer within minutes.

Where in Tennessee Can I Apply For A Payday Loan?


Wherever you are located in Tennessee, Harpsey can help find the best payday loan – from Nashville to Memphis, and everywhere in between! Our fully online payday loan platform works to instantly match you with lenders all across the state, saving you time in searching and applying directly with multiple different lenders for loans of $300 or $500. Apply now from anywhere in Tennessee:

  • Adamsville
  • Alamo
  • Alcoa
  • Andersonville
  • Antioch
  • Ardmore
  • Arlington
  • Ashland City
  • Athens
  • Atoka
  • Bartlett
  • Benton
  • Blountville
  • Bolivar
  • Bon Aqua
  • Bristol
  • Brownsville
  • Byrdstown
  • Camden
  • Carthage
  • Centerville
  • Chattanooga
  • Clarksville
  • Cleveland
  • Clinton
  • College Dale
  • Collierville
  • Collinwood
  • Columbia
  • Cookeville
  • Cordova
  • Covington
  • Crossville
  • Dandridge
  • Dayton
  • Decatur
  • Decaturville
  • Decherd
  • Dickson
  • Dover
  • Dresden
  • Dunlap
  • Dyer
  • Dyersburg
  • Eads
  • Elizabethton
  • Erin
  • Erwin
  • Etowah
  • Fayetteville
  • Franklin
  • Gallatin
  • Goodlettsville
  • Grand Junction
  • Halls
  • Harriman
  • Harrogate
  • Hartsville
  • Henderson
  • Hendersonville
  • Hermitage
  • Hixson
  • Hohenwald
  • Humboldt
  • Huntingdon
  • Jacksboro
  • Jackson
  • Jamestown
  • Jasper
  • Jefferson City
  • Johnson City
  • Jonesborough
  • Kingsport
  • Kingston
  • Knoxville
  • La Follette
  • La Vergne
  • Lafayette
  • Lawrenceburg
  • Lebanon
  • Lenoir City
  • Leoma
  • Lewisburg
  • Lexington
  • Limestone
  • Livingston
  • Loudon
  • Lyles
  • Madison
  • Madisonville
  • Manchester
  • Martin
  • Maryville
  • Mc Kenzie
  • Mc Minnvill
  • Medina
  • Memphis
  • Milan
  • Millington
  • Monteagle
  • Monterey
  • Morristown
  • Mount Carmel
  • Mount Juliet
  • Mount Pleasant
  • Mountain City
  • Murfreesboro
  • Nashville
  • New Tazewell
  • Newbern
  • Newport
  • Oak Ridge
  • Oakland
  • Ocoee
  • Old Hickory
  • Oliver Springs
  • Oneida
  • Ooltewah
  • Paris
  • Parsons
  • Pigeon Forge
  • Pleasant View
  • Portland
  • Powell
  • Pulaski
  • Ripley
  • Rockwood
  • Rogersville
  • Savannah
  • Selmer
  • Sevierville
  • Seymour
  • Shelbyville
  • Smithville
  • Smyrna
  • Soddy Daisy
  • Somerville
  • South Fulton
  • South Pittsburg
  • Sparta
  • Spring City
  • Spring Hill
  • Springfield
  • Sweetwater
  • Tazewell
  • Ten Mile
  • Trenton
  • Tullahoma
  • Unicoi
  • Union City
  • Wartburg
  • Waverly
  • White House
  • Whiteville
  • Whitwell
  • Winchester

FAQ – Payday Loans in Tennessee

The maximum interest rate in Tennessee is 460%. This cap is a limit on how much interest lenders are allowed to charge borrowers for taking out a payday loan.

Harpsey helps to secure loans from $100 to $35,000. In Tenessee there is a payday loan limit of $500, with a maximum loan term of 31 days. 

No. A requirement to be eligible for a payday loan is to be in stable employment and earn a minimum of $800 per month.

To apply with Harpsey is very quick. Customers simply fill out the only form in 5 minutes and will then receive an instant decision on their screen. If approved by a lender you could have access to funds within 1 hour or up to the next business day.

In Tennessee it is only possible to take out 1 payday loan at a time.  

In Tennessee, the maximum amount that you are able to borrow is $500.