A bad credit score can be beyond your control; you might have missed payments due to injury or illness preventing you from working. While you hope that these circumstances matter, banks only see the score and don’t consider how it was formed. Getting a bank loan with a poor credit score can be tough, but alternative lenders offer loans to borrowers with bad credit.

At Tennessee Title Loans, Inc., we provide no credit check loans online to people who struggle to make ends meet between paychecks. With us, you can qualify for online payday loans in approximately 30 minutes and receive the cash you need as soon as the same or next business day.

Can You Get Payday Loans With No Credit Check?

If you decide to pursue a traditional bank loan, your credit score will be a key factor in determining whether you qualify. In such cases, even people with average scores might struggle to get urgent cash, not to mention those with poor scores.

However, qualifying for a payday loan is a different story.

Since this is a short-term borrowing option, the lender will focus on your ability to repay the loan, not your credit score. To demonstrate that paying off what you owe won’t be an issue, you'll be asked to show proof of income. As long as you provide the correct documents, a poor or nonexistent credit score won’t prevent you from getting approved.

Will Online Payday Loans Affect Your Credit Score?

Getting approved for payday loans with no credit check may seem like a good option, but you might worry that borrowing this way can harm your credit score. When you take out a bank loan, the major credit bureaus are notified, and it can lower your credit until you pay it off.

You don't have to worry about that with a payday loan; we won't report our loans to the major credit bureaus. We also don't do hard credit inquiries that can lower your score. You can borrow money without affecting your credit score to handle financial emergencies.

The Eligibility Requirements For Online Payday Loans

You won’t need to prove your credit score to get approved for a cash advance, but there are a few other things you must establish. To make sure that nothing stands between you and your financial boost, prepare the necessary items in advance. Don’t worry, this won’t be a challenging task, as you’ll only need a few things.

Here are the required items for online payday loans in Tennessee:

• Your photo ID: Bring in your government-issued photo ID to prove your identity and that you’re over 18. You can use your driver’s license, passport, military service card, or your state-issued ID.
• Proof of income: You will need to prove you have current income to establish your ability to repay the loan. We suggest you use your most recent pay stub or earnings statement to do so. The more money you make every paycheck, the more you can borrow.
• A blank check from an active checking account: Keep in mind that you can’t qualify for a payday loan without a checking account. When it comes to the blank check, it is usually used by the lender to start payment when the due date arrives. However, the terms and conditions can differ from one lender to another, so make sure to have all your questions answered in advance.

What Can A Payday Loan Be Used for?

It is strongly recommended to go for a loan only if you’re dealing with a financial emergency. You will need to repay the loan, so borrowing it for a frivolous purchase is irresponsible.

Such a short-term borrowing option can be helpful if you need to quickly cover a veterinary bill, a small car or home repair, or if you require money to afford rent. It is best not to use the loan to fund trivial purchases or to organize a short vacation.

In any case, make sure you’re not borrowing more than you need, and don’t forget to include the loan payment in your monthly budget. You can borrow up to $400, but if you only need $250, just borrow that to make repayment easier.

How Can You Get Approved For Online Payday Loans In Tennessee?

The approval process for payday loans online is straightforward and can take less than a day. While you can start the process online, you will need to visit a Tennessee store to finish it. That said, the entire in-person process can take less than 30 minutes, allowing you to get quick approval for emergency cash.

The following is how to get approved for online payday loans in Tennessee:

• Provide your basic information through our online form (name, zip code, and contact information)
• Speak to a loan specialist on the phone about getting a cash advance
• Bring your required items to the nearest Tennessee store location for verification
• If approved, sign the loan agreement to complete the process
• Receive your emergency funds within one business day

4 Reasons To Choose Tennessee Title Loans, Inc.

If you’re looking for extra cash, it means that you’re already in a vulnerable position. Unfortunately, many scammers are willing to take advantage of people in such situations. That’s why finding a reputable lender should become your top priority.

Here are a few reasons why you might decide to pick Tennessee Title Loans, Inc.:

1. We have been in business for over 30 years: Our company has plenty of positive reviews, and we are proud to say that some customers decide to come back to us every time they face financial difficulties.
2. Many steps can be completed from the comfort of your home: You can get started right now by filling out an inquiry form. If you simply want to learn more about the services we offer and prefer not to call, you can use our convenient online chat option. Finally, we offer a special payment portal that allows our clients to make their loan payments at their convenience.
3. We offer fast approval: No need to wait for a loan decision for days. With us, you might find out whether you qualify and for how much in just 30 minutes. Furthermore, if you are approved, you can receive the money on the next business day or even the same day.
4. Bad and non-existent credit is accepted: Your credit score should not prevent you from getting the much-needed cash. The amount you earn and your ability to repay will be the main factors we consider when making a loan decision.

Tennessee Title Loans, Inc. makes accessing emergency financing easy. If you face a financial emergency you cannot afford, get the help you need with our simple payday loan approval process!

Get Your Online Payday Loan Today – Borrow Up To $400!

When you need a fast financing option for a short-term emergency, Tennessee Title Loans, Inc. can help. Apply online today to get a payday loan in less than one business day. You can get approved for a no credit check payday loan to borrow up to $400 from a future paycheck. Apply through our online form and visit a Tennessee store to get approved today!

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