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Home » Tennessee Payday Loans

Tennessee Payday Loans

Apply online or in-store and get up to $425 easily!

Customer Reviews

Our Locations in Tennessee

Cash Loans Bear
Bartlett, TN

5977 Stage Rd,
Bartlett,
TN 38134

(901) 979-7512

Cash Loans Bear
Collierville, TN

366 New Byhalia Rd #8,
Collierville,
TN 38017

(901) 910-0781

Cash Loans Bear
Bristol, TN

621 Shelby St,
Bristol,
TN 37620

(423) 524-9307

Cash Loans Bear
Jackson, TN

282 Parkstone Pl,
Jackson,
TN 38305

(731) 868-4104

 Available Loans in Tennessee

Loan amounts, rates, and repayment terms vary by lender and borrower eligibility and are subject to Tennessee state laws. All lending processes in the state are regulated under the Tennessee Check Cashers Act, which protects borrowers and outlines clear principles for licensed lenders. 

Select loan amount
$200
$100$425
Pay Cycle
Loan Amount$200
Finance Charge ($15 per $100)$30.00
Total Repayment$230.00
Estimated APR (14-day term)391%

Can I get loans for bad credit in Tennessee?

Yes. We focus on your income and ability to repay, and you can still qualify with bad credit.

About Cash Loans Bear in Tennessee

We offer payday and installment loans in Tennessee for borrowers seeking fast funding through a simple application process. Regardless of your credit score, you can submit a request online or at any of our locations across the state. Compared to other loan providers in Tennessee, customers choose us for several reasons:

Same-day or next business day funding for approved applications

Borrowers with bad credit can still qualify

Transparent fees and rates

Approval from licensed direct lenders

Simple and quick application online and in-store

Borrowers can get fast approval

Cash Loans Bear Helps with:

What Do You Need to Apply? 

To be at least 18 years old

A valid ID and U.S. residency

Proof of steady income (pay stub, rental income, social benefits)

An active checking account

A working phone number and email

Sometimes you may be asked for additional documents, such as proof of address or employment.

Happy couple reviewing their online payday loan approval on a laptop
  1. Fill out the application

    Apply online or visit our Tennessee location to submit a request in person.

  2. Get a decision

    Get a quick decision from our lenders after they review your request.

  3. Receive your funds

    Receive the funds in your account the same day or by the next business day.*

Frequently Asked Questions

Do lenders check credit?

Our lenders perform a soft credit check before approval. The process does not affect your score.

How fast can I get the money?

Many applicants receive funds the same day or by the next business day. It depends on when you apply and how quickly your bank processes the deposit.

What if I need a payday loan for more than $425?

If you need more cash, consider an installment loan, which allows you to borrow up to $5,000 and repay it in fixed monthly payments over a term that works for you.

Are there better alternatives to payday loans in TN?

Depending on your situation, Tennessee title loans or installment loans might be a better fit and offer more flexibility.

How many payday loans can you have in Tennessee?

Tennessee law allows borrowers to have up to three payday loans. However, the combined total across all active payday loans in Tennessee cannot exceed $425.

Can I cancel after applying?

Yes. You can cancel the loan by the close of the next business day. Return the principal in full, and you won’t be charged any finance charges.

What if I miss a payment?

If it happens, reach out to us immediately so we can find a solution. Late payments can trigger additional fees and affect future borrowing.

Smiling man using his phone to apply for a payday loan online.

Get started with your online loan application in Tennessee!