Finding easy loans for bad credit isn’t always easy. Traditional banks make it difficult to get personal loans, especially with bad credit. However, if you’ve been hit by an emergency, have overdue bills, or your paycheck has taken a hit due to unforeseen circumstances, finding easy loans for bad credit could become paramount for your financial stability.

In this guide from Tennessee Title Loans, Inc., we will explain three bad credit loans in Tennessee that you can get fast without needing a credit check, including title loans, payday loans, and flex loans. We will explain the loan terms, requirements, and approval process for each to guide your decision-making.

Easy Loans For Bad Credit: Three Loan Options In Tennessee

It’s not possible for bad credit borrowers to get traditional bank loans because of the high credit requirement. However, that does not mean you cannot get the financial help you need during an emergency. At Tennessee Title Loans, Inc., we offer three bad credit loans in Tennessee that allow you to borrow money the same day you apply, regardless of your credit score.

The following are the three easy loans for bad credit we offer:

#1. Title Loans For Bad Credit

When it comes to easy loans for bad credit, title loans are likely the most optimal option. As they’re a secured type of loan – your car title will act as collateral – you do not need to prove your creditworthiness. The loan lender has security through the collateral, allowing you to borrow title loans for bad credit.

Tennessee Title Loans, Inc. accommodates all types of incomes, and the loan representative you’ll work with will do their best to set you up with a comfortable payoff schedule. You could get between $300 and $2,500 with Tennessee title loans.

To apply for a car title loan, you’ll need the following required items:

• A government-issued ID (state-issued driver’s license is applicable)
• A vehicle (it will need to be appraised)
• A car title in your name and completely lien-free (meaning you outright own the car and there are no loans against it)

Apply to see what you can qualify for!

#2. Payday Loans For Bad Credit

If you need easy loans for bad credit but you’re not a car owner, you could get a payday loan. They are an unsecured type of loan (meaning you don’t need a guarantor or collateral), and you can easily get approved despite a bad or nonexistent credit score.

As long as you provide the lender with proof that you have some sort of income to pay the loan off with. Payday loans in Tennessee allow residents to borrow from a future paycheck to handle an economic emergency and repay the loan with their next paycheck.

To apply for a fast payday loan, you’ll need:

• A government-issued ID (state-issued driver’s license is applicable)
• Proof of income (your most recent pay stub)
• A blank check from an active checking account in your name

Apply for a payday loan today!

#3: Flex Loans For Bad Credit

If you need easy loans for bad credit and long-term access to money, a flex loan could be the option for you. Flex loans act as a line of credit and give you access to money “on demand.” When you borrow, you only pay interest, and once you pay back the loan in full – you get access to borrow again.

Flex loans in Tennessee give you access to the largest amount of funds, as you can get up to $4,000 for a set period. As long as you follow the terms, it gives you long-term access to the funds, unlike title and payday loans.

Like title loans, flex loans are for vehicle owners only. You’ll need the following items to get approved:

• A driver’s license or state-issued ID card
• A vehicle for a quick inspection
• A lien-free car title in your name
• Proof of income (your most recent pay stub)

Apply for a flex loan and see how much you qualify for today!

What Bad Credit Loan Is Best For You?

What bad credit loan will work best for you depends on your financial situation. What financial emergency you face will determine which can help you best. A payday loan can help better for short-term financial emergencies, but larger expenses may require flex loans or title loans for bad credit.

The following is what poor credit loans work best for specific financial emergencies:

• Overdue bills: This depends on why your bills are overdue: did you just run out of money this month, or did you lose your job? If you feel this is a one-time thing, a payday loan can provide a smaller cash boost to get you through this month. However, if you lost your job, title loans may help you better afford possibly a few weeks of no wages.
• Medical bills: Title loans and flex loans are best for medical expenses, as they are likely more expensive than other costs. You can use title loans to pay for a one-time medical expense or use flex loans to afford long-term expenses.
• Home or auto expenses: The thought process for which loan to use for these expenses is similar to medical bills. It would be better to get a title loan or payday loan for a one-time repair, but flex loans are better if you need to pay for multiple repairs.
• Unexpected travel costs: Depending on the cost of your travels, a payday loan should suffice. However, if you need to pay for a hotel, rent car, and air travel, you may need a title loan or flex loan to afford it.

The Approval Process For Easy Loans For Bad Credit

The process for getting approved is similar for each of the bad credit loans mentioned above. We keep the process simple to allow borrowers facing a serious financial emergency the ability to get the emergency cash they need fast. Follow our process below, start the process online, and get approved in person in less than 30 minutes.

The following is the approval process for bad credit loans in Tennessee:

• Fill out our online form on our website’s homepage
• Discuss bad credit loan terms on the phone with a loan agent
• Gather your required items and head to the Tennessee store location nearest to you
• Have your required items verified
• If you are getting title loans or flex loans in Tennessee, allow a loan rep to inspect your car
• Sign loan documents to finalize the process
• Receive your emergency funds the same day or the next business day

Apply For Easy Loans For Bad Credit – Borrow Same-Day Emergency Cash Today!

Don’t let bad credit stop you from getting the cash you need. Apply for a title loan, payday loan, or flex loan today and get money in as little as 30 minutes! At Tennessee Title Loans, Inc., we allow borrowers to get approved with no credit check required. Start the process today by filling out our online form or calling us directly to discuss bad credit loan terms.

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