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Convenient Money Services and Loans from easymoney

By Jessica Price

January 19, 2024

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The New Year is finally here, and many people are talking about goals, vision boards, and changes they plan to make over the next 12 months. At easymoney, we’re talking about making access to our loan products and store services well... easy. Alabama and Tennessee customers have counted on easymoney loans and in-store services for years, and 2024 will be no different. When you need access to cash through a personal loan or money services such as Check Cashing, Money Orders, or Wire Transfers to name a few, easymoney is available to help at one of our convenient locations. So, what does easymoney offer? Let’s dive into our products and services to make sure you’re up to date on everything we have to offer and how our services work.

personal loans


Personal loans from easymoney are available in store for customers residing in Alabama and Tennessee. Our goal is to provide exceptional service to everyone who walks through our doors, an easy to complete application, transparent approval process, and a seamless repayment period for customers who are approved and accept a loan. In addition to working together as a team to create great experiences for our customers, our team of knowledgeable associates are available to answer any questions you might have prior to applying for a loan or utilizing one of our many in-store services. Any team member at easymoney can help you choose the loan that works best for you and help you apply. When you apply for a loan at your local easymoney store in Tennessee or Alabama, the process is quick and quite simple. A decision will be rendered rather quickly, and if you are approved you will receive your funds and be on your way! Repayment is scheduled and is outlined in your loan agreement. There is no penalty, however, for paying off your loan early. We encourage all applicants to assess their ability to repay a loan prior to applying. Before getting started, let’s review the options available to our Alabama and Tennessee customers and a few easymoney loan requirements.

Payday Loans

Payday Loans from easymoney are short-term, smaller loans that are designed to be paid back on or around your next payday. Hence the name Payday Loan. Payday Loans are not intended to be long-term solutions to financial issues; however, when access to cash is needed quickly for use in an important situation, Payday Loans are available as a potential option. When applying for an easymoney Payday Loan, you will need the following items on hand for the application process:

  • An Active Bank Account
  • Government-Issued Photo-ID
  • Proof of Income
  • Most Recent Bank Statement
  • Checking Account + Bank Routing Number
  • Social Security Number/ITIN

Stop by your local easymoney store to chat about any questions you may have with a knowledgeable team member as you consider whether a Payday Loan is right for your situation. Think a Payday Loan might be the loan you’re looking for? Check out our article about Payday Loan Requirements and Best Practices before applying.

Installment Loans

Installment Loans from easymoney are designed to be paid back over time in payments also known as installments. At this time, Installment Loans are only offered at Alabama easymoney locations. While Installment Loans are an option when facing a financial hurdle, these loans are not designed to be a long-term solution to ongoing financial issues. Installment Loans offer a longer repayment period than Payday Loan options; however, it is important to consider your ongoing budget and how payments will fit into your planned expenses prior to applying for a loan. When you apply for an easymoney Installment Loan, you will likely need the following information:

  • An Active Bank Account
  • Government-Issued Photo-ID
  • Proof of Income
  • Most Recent Bank Statement
  • Checking Account + Bank Routing Number
  • Social Security Number/ITIN

A team member at your local easymoney store can help you assess your options, answer questions about Installment Loans, and walk you through the application process before you apply. If you feel that an Installment Loan might be the best option for you, check out our article that takes a deeper dive regarding the way Installment Loans work.

Line of Credit

A Line of Credit from easymoney offers access to a set credit limit from which you can draw available cash as needed for the duration of the loan. At this time, only easymoney stores in Tennessee offer the Line of Credit option. How does a Line of credit work? Let’s consider for a moment a situation where a Line of Credit might prove beneficial: a maintenance project at your home. In this example, the total amount needed for the project might not be clear when beginning work. Let’s say one fix leads to another, or a new issue is uncovered along the way. A Line of Credit allows the borrower to borrow cash a little at a time up to their approved limit and only make payments on the amount borrowed plus applicable interest and fees. As with the previously discussed loans from easymoney, you’ll want to have the following in hand when you visit your local store to apply:

  • An Active Bank Account
  • Government-Issued Photo-ID
  • Proof of Income
  • Most Recent Bank Statement
  • Checking Account + Bank Routing Number
  • Social Security Number/ITIN

Connect with a Tennessee easymoney representative to discuss any additional Line of Credit questions you might have prior to applying. As with any loan option, creating a budget prior to finalizing a loan agreement is a great way to ensure you’re able to feasibly repay the money borrowed. In Tennessee, easymoney also offers a Secured Line of Credit option which requires provision of a vehicle as collateral. 

Title Pawns

Title Pawns, available at easymoney locations in Alabama, utilize a borrower’s vehicle as collateral to secure a larger loan amount than is available with a Payday Loan or Installment Loan. You will need a clear title, this means that there are no active liens against the vehicle. Applying for a Title Pawn is a relatively quick process, and the decision is rendered quickly as well.  In order to make the process go as quickly as possible, in-store, make sure you have the following available:

  • Your vehicle and title
  • Active Bank Account
  • Government-Issued Photo-ID
  • Proof of Income
  • Most Recent Bank Statement
  • Checking Account + Bank Routing Number
  • Social Security Number/ITIN

A knowledgeable associate can walk you through the process and answer any questions about Title Pawns you might have before you apply.

money services easymoney

Store Services

Being the go-to neighborhood loan provider in Alabama and Tennessee is a part of what we do at easymoney, but some customers are surprised to find out that we offer a variety of other services as well! We aim to be your go-to one-stop-shop in Alabama and Tennessee for personal loans, Check Cashing, Money Orders, Green Dot® Visa® Debit Card sales, Wire Transfers, Bill Pay, and even Tax Prep services. When convenience counts, easymoney aims to make things easier.

Check Cashing

When you need to cash a check without hassle, your neighborhood easymoney store can help. Check Cashing is one of the services our customers rave about. Competitive rates for cashing a check, various check types accepted, and quick service are part of the experience when you choose Check Cashing at easymoney.

Money Order

Need a reliable alternative to checks and cash? Money Orders are an option available at your neighborhood easymoney for purchase, which can be utilized even if you do not have a bank account. Not all service providers and vendors accept cash and checks, so having an alternate option can be helpful. Much like a check, Money Orders are a paper form of payment, a recipient can be specified, and there is a serial number which can be used to check whether or not a Money Order has been cashed.

Green Dot® Visa® Debit Card

If you do not have a bank account or prefer to protect your account when making certain purchases by utilizing a card other than your bank account debit card or credit card, a Green Dot® Visa® Debit Card is an option offered by easymoney stores in Alabama and Tennessee. Once approved, you can use your card anywhere Visa® is accepted.

*Green Dot cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

Wire Transfer

Wire Transfers at easymoney through Western Union® make it simple to send money near and far. Whether you need to electronically send funds to someone in another city, state, or country we can help you with the process. Don't forget your ID as it will be needed in order to utilize this service.

Bill Pay

Your local easymoney store can help whether you need to pay your local utility bill or handle paying a national provider. You will receive a receipt as proof of payment, and the process is simple. Just bring your bill and your form of payment (cash or guaranteed funds), and we will help you complete the process. This service can prove particularly helpful for our customers who do not have access to a bank account.

Tax Prep

At select easymoney locations, Tax Prep services are available. When tax season approaches, make an appointment to file your taxes in-store. Our team can help you with the process from start to finish and help you file on time while maximizing your refund. Work with the team at your neighborhood store for a quick, pleasant experience. Make sure you bring all of your required documents with you to save time when filing.

Restrictions may apply. Tax services only available during tax season. Product availability varies by location.

Whether you want to utilize one of our stellar in-store services, or you are interested in applying for a personal loan from easymoney, our team is standing by and ready to help!


Jessica is hyper-focused on making information about the Personal Loans offered by easymoney including Payday Loans, Installment Loans, Line of Credit, and Title Loans accessible and easy to understand. Learning the basics about finances shouldn’t be complicated after all! The key to responsible borrowing is understanding the loans you’re considering, and it’s Jessica’s mission to help anyone considering a loan make an informed decision. Jessica is passionate about sharing easy-to-follow Budgeting Tips and helping readers increase their financial literacy in the Financial Corner of the blog. You’ll find great budgeting tips, Simplified Savings tips, and information that will help you improve your financial wellness sprinkled throughout each of her blogs.

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Customer Notice: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Noticia al Consumidor: Existe una amplia variedad de productos financieros disponibles en el mercado, por lo que su elección debe coincidir con sus necesidades financieras. Los préstamos de poco dinero utilizados durante un largo período de tiempo pueden ser costosos.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meeting state database eligibility where required, based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Non-Loan Services: Rules, restrictions, and fees apply. See store for details.

Alabama: Minimum age to apply in Alabama is 19. Title loan amount determined by condition of vehicle and borrower's income. Not all clients or vehicles qualify. Title loans are made under the Alabama Pawnshop Act, Ala. Code 5-19A-1 et seq.

Tennessee: The State of Tennessee requires a minimum principal reduction on Line of Credit Products. In order to comply with the minimum state-required principal reduction, easymoney requires that minimum payments include a principal reduction of 2% for Customers who get paid bi-weekly/twice-a-month, or 4% for Customers who get paid monthly.

Green Dot: must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account.  Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.  Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.  ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Approval is contingent upon successfully passing this mandatory identification confirmation.

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