Fast in-store service, and the deposit came when promised. Customer support deserves a shoutout!
February 11, 2026
Cash Loans Bear in Bartlett, TN 38134
Business Hours:
Monday-Sunday: 8am – 10pm
Branch Manager:
Leigh Flores
Phone:
(901) 979-7512
Email:
leigh.flores@loansbear.com
Straightforward application and quick response. Terms were clearly explained, and I left as a happy borrower.
February 11, 2026
Not great credit, but still got an offer. Terms were clear before I signed, and the process didn’t drag on. Would recommend if you need a cash boost.
February 10, 2026
Applied on the site and got a decision quickly. The online form was easy, and I had funds in my account by the next business day—exactly what I needed for an urgent bill.
February 10, 2026
About Our Bartlett Branch
Tennessee residents visiting our Bartlett branch can explore short-term loan options designed to address unexpected expenses. Our team is available to guide you through the application process and answer any questions you may have. We prioritize transparency, with loan terms and conditions clearly presented before you make a decision.
Cash Loans Bear offers a range of borrowing options. Visit our store today to learn more!
Products & Services
Payday loans are short-term options that can help cover expenses between paychecks. You borrow a small amount and repay it in full by your next paycheck. In Tennessee these are called deferred presentment transactions: you leave a check, the lender holds it, and the fee is capped at 15% of the check’s face amount. This loan works best for small emergencies and cash gaps.
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Installment loans are a direct alternative to cash advances. Borrowing amounts are higher, and you repay the funds with interest in fixed monthly installments. Two Tennessee statutes cover this space. Flex loan plans fall under the Flexible Credit Act and stop at $4,000 outstanding. Larger installment loans, including amounts up to $5,000, are made under the Industrial Loan and Thrift Act, where the interest cap moved to 36% a year on July 1, 2025.12
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How much can I borrow in Bartlett, TN?
A payday loan in Tennessee is written against a check of no more than $500 in face value, and a licensee may charge up to 15% of that amount. In practice a $500 check means a $75 fee and about $425 in cash. An installment loan can run up to $5,000. The exact amount depends on your income and the lender’s offer1.
Tennessee legal limits by loan type, current as of September 2026
| Loan type | Maximum charges allowed | Size and term limits |
|---|---|---|
| Payday (deferred presentment) | Fee up to 15% of the check’s face amount | Two checks per customer, $500 total face value |
| Flex loan | 24% a year plus a fee up to 0.7% a day of the average daily balance | $4,000 outstanding, open-end |
| Installment loan (Industrial Loan and Thrift) | Up to 36% a year since July 1, 2025, plus an acquisition charge up to 12.5% on loans of $100 to $2,0002 | Loans of $100 and up |
| Title pledge (car title) | 2% a month plus a fee up to one fifth of the principal | 30-day term, renewable |
Source: Tennessee Department of Financial Institutions, 2025 Annual Report, Compliance Division and 2025 legislation1. These are legal ceilings set by the state, not the rates any particular lender charges. Your offer will show its own rate, fee and APR before you sign.
What a short-term loan costs at the legal maximum
Comparing a fee to an interest rate is hard, so the chart below puts all four Tennessee products on the same footing: the most a lender may charge for one 30-day cycle, per $100 of cash you actually receive. The bars show ceilings written into state law, not quoted prices.
Maximum charge per $100 received, one 30-day cycle
US dollars, calculated from Tennessee statutory caps
Method: payday, a $15 fee on a $100 check leaves $85 in cash, so $15 / $85 = $17.65. Title pledge, $2 interest plus a $20 fee. Flex loan, 0.7% a day for 30 days plus 24% a year prorated. Installment, 36% a year prorated over 30 days, before any acquisition charge. Caps from the TDFI 2025 Annual Report1.
Reading the chart. A 30-day installment loan is the cheapest ceiling by a wide margin, because the state caps its cost as an interest rate with no daily fee attached. Payday, title and flex products cost six to eight times more per $100 at the maximum, since most of their price is a fee rather than interest.
Cost also depends on how long you hold the money. One payday cycle at the cap is about $17.65 per $100; renewing it repeatedly multiplies that charge, which is why an extended payment plan is worth asking about before a rollover.
Short-term lending in Bartlett and Shelby County
Bartlett sits in Shelby County, the largest short-term lending market in West Tennessee. The state regulator does not publish figures for individual cities, but its statewide data shows what borrowing looks like across Tennessee and how the store network is changing.
937,400
Payday transactions in Tennessee during 2024
$287
Average payday transaction size
$269.4M
Total payday volume for the year
496
Licensed payday locations as of June 30, 2025
Source: TDFI 2025 Annual Report, Appendix L and Department Overview1.
Licensed lending locations in Tennessee
Number of licensed locations on June 30 of each year
Source: TDFI 2025 Annual Report, Department Overview1. Payday storefronts fell by 57 locations in twelve months, the steepest drop of any consumer credit category in the state.
Fewer storefronts means fewer walk-in options near Bartlett, and it is one reason more borrowers start online and finish in store. Our Bartlett branch at 5977 Stage Rd is open seven days a week, 8am to 10pm, so you can hand over documents the same day you apply.
Your protections as a Tennessee borrower
Every payday, flex, title and installment lender operating in Tennessee must hold a state license, and the Department of Financial Institutions examines those licensees and handles complaints from borrowers.
| What the regulator did | Result |
|---|---|
| Examinations of non-depository lenders, fiscal year 2025 | 2,407 exams, $1,268,842 refunded to consumers |
| Examinations of payday licensees | 399 exams, $133,083 refunded |
| Enforcement actions | $2,084,638 in civil penalties |
| Consumer complaints processed in 2025 | 516 statewide, 66 from Shelby County |
| Average time to process a complaint | 12.43 days, with 95.35% closed within 32 days |
Source: TDFI 2025 Annual Report, Compliance Division, Consumer Resources and Appendix B1. Shelby County residents filed more complaints than any other county in Tennessee.
If something looks wrong with your loan, you can file a written complaint with the Tennessee Department of Financial Institutions at tn.gov/tdfi/consumer-resources or by phone at (800) 778-4215, and with the Consumer Financial Protection Bureau. Before you sign anything, check that the lender’s license is active and ask for the fee, the APR and the payoff date in writing.
Other Locations in Tennessee
- Bristol, TN 621 Shelby St, Bristol, TN 37620 (423) 524-9307
- Collierville, TN 366 New Byhalia Rd #8, Collierville, TN 38017 (901) 910-0781
- Jackson, TN 282 Parkstone Pl, Jackson, TN 38305 (731) 868-4104
How It Works
1
Simple Process
Apply online in just a few minutes.
2
Quick Approvals
Submit your application and receive a quick decision.
3
Instant Funding
Get funds sent directly to your debit card or bank account.
What You Need to Apply
- A government-issued ID
- Proof of income
- An active checking account
- Proof of address
- Your Social Security Number or ITIN
Additional documents may be required.
For more information about identification and lending requirements, visit the Consumer Financial Protection Bureau.
Explore Loans by State:
Why Choose Cash Loans Bear
Bad-credit-friendly approach with no hard credit check
Fair offers and transparent terms
Same-day loan options
Robust personal data security measures
Frequently Asked Questions
When assessing loan eligibility, we pay special attention to income and the overall ability to repay. While other factors can influence the final decision, you can still get approved for a loan with bad credit, especially if you can show a steady income. Learn more about our income-based loans.
Yes, it is, if you apply early in the morning on a banking day and finalize your loan before 10 AM. If you apply at any other time of day, expect to receive the money on the next business day.
Yes, you can apply online through our website in just a few minutes. Complete a short application, get a quick decision, and if approved, review and e-sign your loan agreement. Funds are typically deposited the same or next business day.
State law lets a licensed lender charge up to 15% of the face amount of your check. On a $500 check that is a $75 fee with about $425 advanced to you. Your own offer may cost less, and the lender must disclose the finance charge and APR before you sign. See our Rates and Fees page for representative examples.1
No. A Tennessee licensee may hold no more than two checks from the same customer at once, and their combined face value cannot exceed $500. If you need more than that, an installment loan is the product to ask about.1
Contact the lender before the due date and ask about a no-cost extended payment plan. Renewing a loan repeats the fee each cycle, which is how short-term borrowing turns into long-term debt. After two consecutive failed debit attempts, federal rules require the lender to get a new authorization before trying again.3
Sources
-
Tennessee Department of Financial Institutions, 2025 Annual Report
Used for the rate and size limits, statewide transaction volumes, licensed location counts, examination results and complaint figures on this page. Licensing and examination data as of June 30, 2025; transaction data for calendar year 2024; complaint data for calendar year 2025. Read the report (PDF), published by tn.gov/tdfi.
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Industrial Loan and Thrift Companies Act, Tenn. Code Ann. § 45-5-101 et seq., as amended by Public Chapter 70 of the Public Acts of 2025 (Senate Bill 694), effective July 1, 2025
Used for the 36% annual rate cap and the 12.5% acquisition charge on installment loans. Statute and rules via TDFI.
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Consumer Financial Protection Bureau payment-withdrawal rules, 12 CFR §§ 1041.8 and 1041.9
Used for the limit on repeated debit attempts described in the FAQ.
