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Payday Loans in Tennessee — Laws, Limits & Online Lenders

Compare licensed payday lenders in Tennessee. One application, multiple offers, no credit impact.

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2 Compare Offers
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Tennessee Payday Loan Laws at a Glance

Max Loan Amount $500
Max APR 459%
Max Term 31 days
Rollovers Prohibited
Cooling-Off Period None
Governing Statute Tenn. Code § 45-17

How to Get a Payday Loan in Tennessee

Getting a payday loan in Tennessee is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Tennessee-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Tennessee Borrowers

  • Must be 18 years or older (resident of Tennessee)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Tennessee

Under Tenn. Code § 45-17, payday lenders in Tennessee may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Tennessee may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Tennessee and other state payday loan laws.

Payday Loans by City in Tennessee

Select your city for local payday loan information, lender options, and Tennessee regulations that apply to your area.

Nashville Memphis Knoxville Chattanooga Clarksville Jackson Murfreesboro Franklin Johnson City Bartlett Hendersonville Kingsport

Tennessee Payday Loan FAQ

Are payday loans legal in Tennessee?

Yes. Payday loans are legal in Tennessee under Tenn. Code § 45-17. Lenders must be licensed by the state banking regulator.

How much can I borrow in Tennessee?

The maximum payday loan amount in Tennessee is $500. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Tennessee?

The maximum APR for payday loans in Tennessee is approximately 459%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Tennessee?

Prohibited

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