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Home Tennessee Memphis

Cash Advance in Memphis, 38115

Memphis, the soulful city of Tennessee, is renowned for its rich musical heritage and mouthwatering BBQ joints. But beyond the music and food, residents sometimes find themselves in a financial bind. Whether it's an unexpected bill or a sudden expense, cash advances or payday loans can offer a timely solution. Let's delve into how these short-term financial options work in Memphis.

Customer centered service

Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

Easy application process

We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply either by phone or online.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

Our main advantages

Swift is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Swift apart from its competitors, here’s what customers should know about the Swift difference.

How Do Payday Loans Work in Memphis, Tennessee

  1. How Much Cash Can You Get? In Memphis, payday loans typically range from as low as $100 to as much as $1,000. The amount you qualify for largely depends on your income and the lender's discretion.
  2. What are the ARPs? The Annual Percentage Rate (APR) can vary. It's essential to review the APR and other associated fees before committing to a loan.
  3. Repayment Schedule: Payday loans are short-term loans, which means they need to be repaid by your next paycheck, typically within two to four weeks.
  4. How Fast Do I Get the Money? Once approved, the funds are often transferred to your bank account within one business day.

3 Easy Steps To Get a Cash Advance Loan in Memphis


Get Started

Fill in the simple online inquiry form and you can get connected swiftly to trusted third-party lenders in our network.


Get an Offer

The lender will present you with a cash advance loan offer that suits your financial needs.


Get Your Cash

Once you sign the loan agreement, the cash can be yours in no time, sometimes even on the next business day.



Fast Access To Cash

Bad Credit Is Not A Deal-Breaker

No Collateral Required

Minimum Paperwork

Use The Money For Any Purpose



Source Of Income

Checking Account

Valid Identification



Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Receive & Review The Offer

Sign The Contract

Get Cash

How to Get a Cash Advance and Payday Loan in Memphis

  1. Visit Our Platform: Begin by visiting our website mentioned above. It provides a seamless connection between borrowers and our trusted third-party lenders.
  2. Fill Out the Online Application: The application is straightforward, requiring personal, employment, and bank details.
  3. Review and Accept an Offer: After submitting, you might receive multiple offers. Choose one that suits your financial needs and situation.
  4. Receive the Funds: Upon agreement, the funds will typically be deposited into your account swiftly.

What are the Requirements for Getting a Cash Advance

  1. Proof of Income: Lenders need assurance of your ability to repay. A recent payslip can serve this purpose.
  2. Active Bank Account: This is where your loan will be deposited, and repayment will be drawn.
  3. Valid Identification: A driver’s license or any government-issued ID will suffice.
  4. Being 18 or Older: Only adults can legally enter into loan agreements.

What are the Alternatives?

Before opting for a payday loan, consider alternatives:

  1. Personal Savings: It’s always ideal to use your savings in emergencies, if available.
  2. Community Programs: Some local Memphis programs offer financial assistance or low-interest loans.
  3. Credit Cards: If you have one, it might offer a lower interest rate than a payday loan.
FeaturePayday LoansOther Types of Loans (e.g., Personal Loans, Mortgages, etc.)
Loan AmountTypically small amounts, often $500 or less.Vary widely based on the type of loan. Personal loans may range from a few hundred to tens of thousands. Mortgages can go into hundreds of thousands or millions.
Interest RateVery high, often around 400% annual percentage rate (APR) or higher.Varies. Mortgages and secured loans often have lower interest rates. Personal loans may have higher rates, but typically much lower than payday loans.
Loan TermVery short, typically two weeks or until the borrower’s next payday.Varies. Personal loans might have terms from months to a few years. Mortgages typically have terms of 15 to 30 years.
PurposeDesigned to cover immediate expenses until the next payday.Varies. Mortgages for home purchases, personal loans for various personal expenses, auto loans for vehicle purchases, etc.
CollateralGenerally unsecured.Varies. Mortgages are secured by the property. Auto loans are secured by the vehicle. Personal loans can be secured or unsecured.
Credit CheckOften do not require a traditional credit check, but lenders might use their own methods to assess risk.Typically require a credit check. Better credit scores often receive better terms and interest rates.
RepaymentUsually a single lump sum repayment.Varies. Many other loans have fixed monthly payments spread over the term of the loan.
PenaltiesHigh fees for late payments or insufficient funds.Varies, but penalties are typically less severe than with payday loans.
RegulationSubject to state regulations, which can vary. Some states have banned or heavily regulated payday loans.Generally subject to state and/or federal regulations. Specifics can vary based on loan type and lender.

Payday Loans for Bad Credit in Memphis

Payday loans are often marketed to individuals with bad credit because they typically don’t require traditional credit checks. People with low credit scores or minimal credit history might find it difficult to obtain more conventional loans or credit cards. Payday loans fill this gap in the lending market, especially for short-term, emergency financial needs.

Here’s a detailed look at payday loans for bad credit in Memphis, TN:

  1. Accessibility: One of the primary reasons people with bad credit in Memphis might opt for payday loans is because they’re easily accessible. Many payday lenders approve borrowers without checking their credit score with traditional credit bureaus. Instead, they might verify the borrower’s employment and ensure they have a valid bank account.
  2. High Interest and Fees: Payday loans come with extremely high interest rates and fees. When annualized, the interest rates (expressed as an annual percentage rate or APR) can exceed 400% or even higher. These rates are especially high compared to other types of credit available to borrowers, even those with bad credit.
  3. Short Loan Term: These loans are designed to be repaid by the borrower’s next payday, which means they typically have very short terms, often two weeks.
  4. Rollovers: If borrowers are unable to repay the loan on the due date, some lenders might offer a “rollover.” This means extending the due date for a fee. However, rollovers can lead to a debt spiral, where the borrower owes significantly more than they initially borrowed.
  5. Loan Amount: The loan amounts for payday loans are typically small, often $500 or less. This limit can vary based on state regulations and the lender’s policies.
  6. Local Regulations: Memphis, like other cities in Tennessee, must adhere to the state regulations governing payday loans. Tennessee has its own set of rules regarding maximum loan amounts, fees, and terms for payday loans.
  7. Alternatives: Even if someone has bad credit, it’s crucial to consider alternative lending or financial assistance options before opting for a payday loan. Some of these might include:
    • Credit Unions: Some credit unions offer payday alternative loans (PALs) designed for short-term financial needs. These often come with much lower interest rates than traditional payday loans.
    • Payment Plans: If the financial emergency is related to a bill, consider contacting the creditor to set up a payment plan.
    • Assistance Programs: Various community and non-profit organizations might offer financial assistance or guidance.
  8. Risks: The primary risk with payday loans, especially for those with bad credit, is the potential for falling into a debt trap. Continuous borrowing, rollovers, and high fees can make it difficult for borrowers to pay off their loans, leading to ever-increasing debt.

If you or someone you know is considering a payday loan in Memphis or anywhere else, it’s essential to understand all aspects of the loan and consider alternative options. Making informed decisions can help prevent long-term financial difficulties.


Phone number

(901) 445-9533



5911 Mt Moriah Rd #107, Memphis, TN, 38115


Open hours

Mon – Fri:

9am – 7pm


10am – 4pm





Fast Process

When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.

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