Payday loans in Nashville, TN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Nashville, TN.
The median household in Nashville earns $77,371 a year, 11% above the Tennessee median of $69,595. About 14% of residents live below the federal poverty line, and 47.6% of households rent their home. When an unexpected bill hits before payday, Nashville residents can request $100 to $1,000 online in minutes.
Tennessee law that applies in Nashville
| Maximum loan | A lender (and related persons) may hold no more than two of your checks at once, with a total face value of no more than $500. |
|---|---|
| Fee cap | The fee may not exceed 15% of the face amount of the check. |
| Rollovers | Not allowed. |
| Loans at once | You may have no more than three payday loans outstanding at once, totalling no more than $500. |
Full rules with statute citations: Payday Loans in Tennessee. Cities in Tennessee cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Nashville
Most Nashville applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Nashville
What Nashville borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a payday loan in Nashville
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Tennessee.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Tennessee does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Nashville
174 FDIC-insured bank branches from 38 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 25 | 4410 Ridgefield Way, Nashville 37205 |
| Bank of America, National Association | 16 | 3219 Clarksville Pike, Nashville 37218 |
| Truist Bank | 15 | 401 Commerce St, Nashville 37219 |
| Fifth Third Bank, National Association | 15 | 2216 Abbott Martin Rd, Nashville 37215 |
| First Horizon Bank | 12 | 511 Union St, Nashville 37219 |
| Pinnacle Bank | 12 | 21 Platform Way S, Nashville 37203 |
| JPMorgan Chase Bank, National Association | 12 | 2645 8th Ave S, Nashville 37204 |
| Wells Fargo Bank, National Association | 8 | 230 4th Ave N, Nashville 37219 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Nashville
31 credit-union locations from 21 credit unions.
| Credit union | Location |
|---|---|
| Ascend | 2600 Elm Hill Pike, Nashville 37214 |
| Fortera | 2004 Hayes St Ste 120, Nashville 37203 |
| First South Financial | 1211 51St Ave N, Nashville 37209 |
| Southeast Financial | 1314 Vultee Blvd, Nashville 37217 |
| Resound | 1701 21St Ave S, Nashville 37212 |
| Us Community | 89 Hermitage Ave, Nashville 37210 |
| Old Hickory | 410 Donelson Pike, Nashville 37214 |
| Ten | 1400 8Th Ave S, Nashville 37203 |
| Enbright | 1214 Church St Ste 100, Nashville 37246 |
| Vanderbilt | Suite 100, Nashville 37232 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Davidson County · Personal Loans in Nashville · Title Loans in Nashville
Frequently asked questions
Can I get a payday loan in Nashville, TN?
Payday loans (deferred presentment services) are legal in Tennessee from lenders licensed by TDFI under the Deferred Presentment Services Act, Tenn. You can request one online from Nashville through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Nashville?
A lender (and related persons) may hold no more than two of your checks at once, with a total face value of no more than $500.
How fast can I get a payday loan in Nashville?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Do payday lenders in Nashville check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Nashville residents can see their options with our 3-minute form.
How much does a payday loan cost in Nashville?
The fee may not exceed 15% of the face amount of the check. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Nashville borrowers in about 3 minutes.
What is a payday loan in Nashville?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Nashville can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Tennessee rules. See if you qualify in about 3 minutes.
How do I get a payday loan in Nashville, TN?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Nashville borrowers can finish the form in about 3 minutes.
Do I need to visit a store in Nashville?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.