Payday loans in Paris, TN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Paris, TN.
The median household in Paris earns $41,012 a year, 41% below the Tennessee median of $69,595. About 26% of residents live below the federal poverty line, and 43.2% of households rent their home. 13.8% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, Paris residents can request $100 to $1,000 online in minutes.
Tennessee law that applies in Paris
| 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 Paris
Most Paris 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 Paris
What Paris borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a payday loan in Paris
- 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 Paris
12 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Security Bank and Trust Company | 4 | 210 W Washington St, Paris 38242 |
| Commercial Bank & Trust Co. | 3 | 101 N Poplar St, Paris 38242 |
| FirstBank | 2 | 101 W Wood St, Paris 38242 |
| Regions Bank | 1 | 914 E Wood St, Paris 38242 |
| Foundation Bank | 1 | 1137 E Wood St, Paris 38242 |
| Carroll Bank and Trust | 1 | 902 Mineral Wells Ave, Paris 38242 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Paris
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Holley | 1107 Mineral Wells Ave, Paris 38242 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Henry County · Personal Loans in Paris · Title Loans in Paris
Frequently asked questions
Can I get a payday loan in Paris, 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 Paris through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Paris?
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 Paris?
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.
How do payday loans work in Paris?
You fill out a short online request, a lender reviews your income and banking details, and if you're approved you see the amount, fee and due date before you sign. Funds are typically deposited into your checking account, often by the next business day. On your due date, repayment is usually taken from that same account. Paris residents can start the process online in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Paris residents can request a payday advance online through our network in about 3 minutes.
How much does a payday loan cost in Paris?
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 Paris borrowers 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. Paris residents can see their options with our 3-minute form.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Tennessee rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Do I need to visit a store in Paris?
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.