First-time applicant here. Got myself into an emergency and was hoping for a same-day wire. The team in this store near me was extremely helpful in answering my questions, and I got the cash I wanted.
Visited the store a couple of weeks ago. Needed a safe alternative to title loans in Jackson, TN, and got a solid payday deal.
My fiancée and I needed some extra cash for the wedding. Came over, got a loan with no issues.
Needed quick money, and I got it! Been to many loan places in Jackson, TN, and can recommend this one!
Cash Loans Bear in Jackson offers a wide range of financing options to help local customers handle financial emergencies. We prioritize transparency, honesty, and safety, following all local lending regulations. In Tennessee, payday loans are governed by the Tennessee Deferred Presentment Services Act, which caps the fee at 15% of the check amount and limits each customer to two outstanding checks worth no more than $500 combined1. You can learn more through the Tennessee Department of Financial Institutions.
Our staff is supportive and professional. They make the application process smooth and quick, answer your questions, and help you find a loan option that fits your needs. If you’re looking for a payday or installment loan with clear terms and competitive fees, visit our store today to apply.
You can get up to $425 with a payday loan. That limit comes from state law: your checks can total no more than $500, and the lender’s fee can be no more than 15% of that amount, so the most you receive in cash is $425 after the $75 fee1. Most Tennessee borrowers take less. The average payday transaction in the state was $287 in 20241. If you need to cover a bigger expense, it is possible to get an installment loan up to $5,000.
| Check amount | Maximum fee (15%) | Cash you receive |
|---|---|---|
| $100 | $15 | $85 |
| $200 | $30 | $170 |
| $300 | $45 | $255 |
| $400 | $60 | $340 |
| $500 | $75 | $425 |
Calculated from the 15% fee cap under the Tennessee Deferred Presentment Services Act1.
Tennessee sets different limits for each type of small loan. Knowing them helps you compare offers and spot terms that don’t add up.
| Loan type | What the law allows | Key limit |
|---|---|---|
| Payday (deferred presentment) | Fee of up to 15% of the check | Up to 2 checks, $500 combined |
| Installment (industrial loan and thrift) | Interest of up to 36% a year on loans of $100 or more, since July 1, 2025 | Extra acquisition charge of up to 12.5% on loans of $100 to $2,000 |
| Flex loan (line of credit) | 24% a year plus a fee of up to 0.7% of the average daily balance | Balance can’t exceed $4,000 |
| Title loan (title pledge) | 2% a month plus a fee of up to one-fifth of the loan amount | 30-day term that can be renewed; your car secures the loan |
Source: Tennessee Department of Financial Institutions1.
Apply online in just a few minutes.
Submit your application and receive a quick decision.
Get funds sent directly to your debit card or bank account.
Additional documents may be required.
For more information about identification and lending requirements, visit the Consumer Financial Protection Bureau.
Bad credit is not necessarily a barrier to qualifying
5 years of experience with excellent customer service
No hard credit checks – FICO rating not needed
Full disclosure and clear terms
As a Jackson resident, you may be eligible for government assistance programs, such as LIHEAP or home energy rebate programs created under the Inflation Reduction Act.
Yes, you can still qualify for a payday loan in Jackson, TN. We work with borrowers who have bad credit and usually focus more on factors such as your debt-to-income ratio and income.
Yes, you can apply online in just a few minutes. Submit your application, get a quick decision, and if approved, receive funds as soon as the same or next business day.
Not usually. A Tennessee title lender can charge 2% interest a month plus a fee of up to one-fifth of the loan amount for each 30-day term1. On a $1,000 title loan, that can add up to $220 every month you renew. If you don’t repay, the lender can repossess and sell your car. A payday loan doesn’t put your vehicle at risk.
Every payday, title, and installment lender in Tennessee must hold a state license. The Tennessee Department of Financial Institutions licensed 496 payday locations as of June 30, 20251. You can look up any license on the TDFI website. If you have a problem, you can file a complaint with TDFI’s Consumer Resources Section. In 2025, it took an average of 12.43 days to process a complaint1. TDFI examinations also returned $133,083 to payday customers in the fiscal year ending June 20251.
Tennessee Department of Financial Institutions
2025 Annual Report — Tennessee small-loan rules and data. June 2026.
