Payday Loans in Memphis, TN | Cash Advance in Memphis, TN

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Memphis, TN Payday Advances Online

Are you experiencing some temporary money problems? Do you need a small cash advance to get you to your next payday? Do you need same-day cash for an unexpected expense?

Then a payday loan from one of our Memphis, TN lenders could be the solution you are looking for.

A payday loan (also called a payday advance) is a small dollar, short-term cash advance that can be used by a person who has unanticipated expenses. Payday loans are short-term in nature and not intended to be utilized long-term or for larger purchases like a house or a car. Payday loans are a safe and practical way to enable an individual to extend their purchasing power and help cover small, unplanned expenditures.

At Direct Payday Loans, we pride ourselves on our speed in connecting you with a local lender. In most cases, submitting your information online through our site will only take a few minutes. After your information is submitted, you will be redirected to the lender’s website to review the terms and conditions of the loan, and if accepted, the funds will be deposited into your bank account as soon as today!

Memphis, TN Payday Advances Online

Whether you’re dealing with seasonal expenditures like vacation or back-to-school costs, or you need help with unexpected car or house repairs, Payday Loans in Memphis can assist.

Memphis is the largest city located directly on the Mississippi River, with more 650,000 residents as of 2019 estimates. It is the seat of Shelby County, the most populous county in Tennessee and is the second most populous city in Tennessee after Nashville. Memphis grew large as a hub for trading, agriculture, and natural resources like lumber. It is well known for being a center of culture in the south, with a long-established and influential music scene that created what is known as the “Memphis blues.”

The Memphis economy has been anchored by its central geographic location in the South, with the river and an assortment of freight railways and highways all passing through. The Memphis International Airport is the world’s second busiest cargo airport, serving as a primary shipping hub for Fedex Express. The largest employers in Memphis include: Federal Express, the local, state, and federal government, Wal-Mart, Kroger, Technicolor, Nike, Methodist Le Bonheur Health Care, Baptist Memorial Healthcare Corp, Naval Support Activity Mid-South, among many others.

Even if you have a good job working at one of these companies, a local university, school or health system or other great employers like Starbucks or Target, there may be a time when you don’t have the cash available to pay for unexpected expenses. If that happens, a payday loan can help you bridge the gap and get you back on firm financial footing. If you have a steady job with a consistent paycheck, a payday loan can provide money fast–often the same day–to cover an unexpected expense.

Just how much can I borrow in Memphis, TN?

Payday loans in Memphis vary from $50 to $1,000 (or more) depending upon a few factors such as your state of residence and your income. The qualifications for payday loans are typically less strict than they are for typically larger loans like a mortgage or auto loan.

Direct Payday Loans will connect you directly to a local lender who can provide you same-day cash. In exchange for the cash, the lender will charge a small fee in the form of interest costs. This fee, along with the initial amount borrowed (the principal), will usually be due on your next payday.

If you need a little extra money before your next payday, you can use a fast and easy cash advance. We’ll help you get the money you need TODAY, so you can keep living your normal life and focus on the things important to you. With Direct Payday Loans, you can:

  • Get the cash you need the same day, often within minutes
  • Review plainly-defined terms and conditions
  • Access a simple, short-term cash advance with no hassle
  • Receive cash without needing a paper check or faxing documents

Borrowing responsibly

Before accessing a payday loan, we advise that you create a spending and budget plan to ensure that you can repay your loan in full when it comes due. With Direct Payday Loans, you will be able to access cash today, but you should consider your full financial situation before acting.

Although the majority of lenders permit you to “re-purchase” or renew your loan, we do not recommend this practice at Direct Payday Loans. Renewing your loan can create a cycle of loans that wind up costing you significantly more money in the long-term. Before applying for a payday loan, create a plan to pay back the loan on your next payday while also ensuring that you have enough cash to cover your normal day-to-day expenses like groceries and rent.

Bad credit? Not an issue in Memphis

Payday loans are not like mortgage or auto loans. Payday loans are unsecured personal loans used by individuals in need of short-term financial assistance. The lenders know this and are often open to providing these loans to individuals with low (or no) credit scores. Lenders will use your income and other factors to determine whether you can access a loan. Many loan providers do not utilize a traditional credit check. However, for larger amounts (particularly if borrowing more than $1,000), some lending institutions may use your credit report to make a lending decision.

Traditionally, many online loans required an individual to fax in documents to verify their identity. It can be very difficult to find a fax machine these days, so Direct Payday Loans does not require you to fax any documents. Faxless payday advances allow anyone with an internet connection to access cash quickly and lower their financial stress. At Direct Payday Loans, you will never have to fax information.

Easy Online Application – Instant Approvals For Memphis Residents

We have streamlined the online loan application process to make it quick and easy for you to get the cash advance you need. In fact, you can complete the online application in minutes and get an instant decision – click here to apply for a cash loan online in Memphis. Make sure you have your social security number, income source, and banking info nearby while completing the application.

Direct Payday Loans Online in Memphis: money when you need it most.

Payday Loan Providers in Memphis, TN

As mentioned above, we have streamlined the process to make it simple, easy, and cost effective to apply for a payday loan online. If you would still rather visit a payday loan office in person, we have put together a list of local providers for Memphis.

When visiting an office to apply for a loan, it can be more difficult to compare your options to find the best pricing. By applying online, you can access the best offers from multiple lenders and review your options from the comfort of your home.

Additionally, a payday loan office may have to pass on the rent costs of having a physical location, resulting in a higher rate or higher fees for you. Be sure to review all the relevant details before visiting a local payday loan office.

American Cash Advance & Title Loan

As of March 2021, American Cash Advance has 3 locations in and around Memphis, including in Hickory Hill and Bartlett. For the most part, the stores have very good reviews online, with some customers noting the helpful employees. American Cash Advance offers payday loans/cash advances as well as title loans. The company has been serving the Memphis area for more than 20 years.

6195 Macon Rd #3
Memphis, TN 38134
(901) 384-0771

Advance America

As of March 2021, Advance America has 3 locations in and around Memphis. Advance America is a national payday lender with stores all around the country. The Memphis locations have very good reviews online, with some customers noting the great customer service from the employees. Advance America offers payday loans and title loans.

4298 Summer Ave
Memphis, TN 38122
(901) 685-6474