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Loans Made Easy

Tennessee Cash Loans Made Easy

By Jessica Price

February 14, 2024

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Tennessee has a lot to offer residents from mountains to nightlife, food, and endless entertainment. Community and connection are important in The Volunteer State.1 Knowing that you can count on your neighbors is a benefit of living in a thriving community, and easymoney has made it a goal since opening our doors to always be a helpful neighbor to our customers. Personal loans are not the financial solution for long term financial struggles, but these loans can be helpful for qualified borrowers when facing a situation that requires quick access to cash. Before applying for a loan, it’s important to understand the options available to you at Tennessee easymoney stores, how those loans work, and best practices for responsible borrowing.

loan options tn

easymoney Loans in Tennessee

When you understand your options, it’s easier to make a decision that will work for your circumstances and help you get back on track. Taking out a loan to help with a financial situation that requires quick attention can feel stressful. Your neighborhood easymoney store is teamed with knowledgeable associates who are able to help you make an informed decision, apply easily, and help you get back to your day-to-day routine quickly. Payday Loans and Title Loans options are not always the solution for every situation, and our team will always encourage you to make sure you assess every avenue available prior to deciding. 

Payday Loans

States establish the amount3 that can be borrowed via Payday Loan. Tennessee Payday Loans are available at easymoney where up to $425 can be borrowed by approved applicants. The easymoney Payday Loan requirements are fairly simple and similar to the requirements for our other loan types. Make sure you have the following with you to make the application process move as quickly as possible:

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

There is no penalty for paying your loan back early, and borrowers are encouraged to assess their ability to fit repayment into their upcoming budget prior to applying.

Borrowing Responsibly

Our team’s dedication to responsible lending practices is what makes easymoney a smart option for a Tennessee loan. Likewise, we encourage all potential applicants to consider what makes a responsible borrower. It’s important to always assess your need for a loan prior to applying. Using loans to meet unavoidable financial obligations could make sense when there is no opportunity to utilize existing funds, credit, or borrowing power from friends and family. Start by assessing your need for a loan, and if a loan makes sense for your situation further assess your ability to repay. Creating a budget that includes your planned loan repayment is a great way to ensure you’re ready when it is time to make your payment. Planning for responsible borrowing success makes the process of utilizing and repaying a loan much easier.

Sources

1Kiffel-Alcheh, Jamie Tennessee Retrieved from: https://kids.nationalgeographic.com/geography/states/article/tennessee

2Annie Millerbernd and Ronita Choudhuri-Wade (2023, Apr 19). What Is a Line of Credit? Retrieved from: https://www.nerdwallet.com/article/loans/personal-loans/personal-line-credit

3Consumer Financial Protection Bureau (2022, Jan 17). What is a payday loan? Retrieved from: https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/

4Consumer.gov Car Title Loans Retrieved from: https://consumer.gov/credit-loans-debt/car-title-loans#what-to-do

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.

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