Getting a new job is an exciting time in your life, but it can take a while to rebuild your finances if you didn’t have a job before. In the meantime, you can have expenses you cannot afford or financial emergencies that can arise out of nowhere. When you need fast cash with a new job, Tennessee Title Loans, Inc. can help with a cash advance.

In this guide, we will explain how to get a cash advance for new jobs with no credit check in Tennessee. We will describe how to get approved for a Tennessee cash advance and how having a new job will not affect your ability to get paid.

What Is A Cash Advance?

A cash advance, otherwise known as a payday loan or payday advance, is a short-term, unsecured loan that lets you borrow money by proving your income. As long as you have a job and a recent pay stub, you can borrow up to $400 from a future paycheck to afford financial emergencies, such as overdue bills, medical expenses, and auto repairs.

How much you can borrow depends on your income level. The more money you make, the more you can borrow. Getting approved for a cash advance in Tennessee only requires a few items, and you can even get approved with a new job.

Are Cash Advances Available To Borrowers With New Jobs?

To get approved for a cash advance, you will need your most recent pay stub to prove your income. If you have a new job, as long as you have that pay stub, you will have no problem getting approved for a payday loan.

It can only get tricky if you haven't been paid by your new job yet. If you’re still waiting for your first paycheck, you will have to wait to get approved for a cash advance. However, if you’re still struggling with a financial emergency after you get paid, you can apply for a cash advance online and get approved at one of our stores. You will just need a few required items.

What Are The Required Items For A Cash Advance?

Whether you are a new employee or have had a job for a long time, the requirements for a cash advance are the same. You will need to prove you’re over 18 years old, have current income, and have a checking account. You can easily do this with our short list of required items.

Here are the cash advance requirements for new employees in Tennessee:

• State-issued photo ID – You must verify your identity and age to get a payday advance. Tennessee law dictates you must be at least 18 years old to borrow a loan, so you will need an ID to show that. You can use your driver’s license, state ID, passport, or any other photo ID that displays your date of birth.
• Your most recent pay stub – To borrow money from a future paycheck, you must show that you have current income. Your pay stub will give us a clear understanding of your income level, and we will use it to determine how much you can borrow.
• A blank check from an active checking account in your name – We will need to verify your checking account to get a clearer understanding of your finances. We will also use your checking account information to make withdrawing the money to repay the loan easier.

Can You Get A Cash Advance With Bad Credit?

When you try to get a loan from a traditional banking institution, you will find that you need at least a 600 credit score (and possibly even higher) to get approved. They have strict credit requirements, especially for unsecured loans that don’t use collateral.

Thankfully, you will not need to worry about that when getting a cash advance with a new job. If you have been without a job for a while, your credit score may have taken a dive if you missed payments. That won’t affect cash advance approval, as we use your income and ability to repay the loan to determine whether you qualify.

We may do a soft credit check to determine what your credit score is. If you have poor credit, you may get approved for less money, but you can still gain approval for a bad credit cash advance. You just need to follow our simple approval process.

How To Get Approved For A New Job Cash Advance In Tennessee

At Tennessee Title Loans, Inc., we keep the process of getting approved for a cash advance simple. We understand how stressful unexpected expenses can be without having a long, drawn-out process to get the cash you need. That’s why we allow borrowers to get approved the same day they apply and even receive their cash within 24 hours.

The following is the approval process for a cash advance in Tennessee:

• Fill out our online form – While you can start the process by calling us or visiting us in person, we suggest taking a few minutes to fill out our online inquiry form. It takes just five minutes to provide us with your full name, email address, zip code, and phone number to jumpstart the process.
• Speak to us over the phone – After reviewing your information, we will give you a call to explain how a cash advance works. We will explain the requirements, approval process, and repayment. You can also ask questions to verify any information you don’t understand. To complete the conversation, we will agree on a Tennessee store location where you can finish the process.
• Bring your required items to one of our stores – Gather the required items we mentioned above and head to the store nearest to you. Once there, we will verify that you have all the items you need and all of the information attached to your documents. We will also explain how much you can get approved for. This all takes less than 30 minutes.
• Sign the loan agreement and receive your cash – Ask any questions you still have about payday loans before signing the agreement. Once you sign it, you can receive your emergency funds later the same day or by the next business day.

FAQs About Cash Advances

Can you get a cash advance before you start working at your new job?

Getting a cash advance requires a pay stub. If you haven’t studied working yet, you won’t have it. You must get your first paycheck before getting a cash advance in Tennessee.

Do you need collateral for a cash advance?

A cash advance is an unsecured loan, meaning you will not need collateral. You will if you go for a title loan, which we also offer. However, payday loans do not require collateral, so you can borrow money today without putting up anything.

How does cash advance repayment work?

You will need to repay your payday advance with your next paycheck. We do collect interest on our loans, so you will have to repay a bit more than you borrow. If you don’t feel you can afford repayment that fast, seek alternatives or borrow less money than you qualify for.

Get A Cash Advance In Tennessee – Borrow Up To $400 Today!

Need emergency cash but just started a new job? Don’t worry; Tennessee Title Loans, Inc. has your back. You can get a cash advance with a new job as long as you can provide a pay stub. You can apply online in a few minutes and receive your funds within one business day. Get started now with our online payday loan form. Visit us in person for approval in less than 30 minutes!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.