If you’re wondering how to pay a Tennessee speeding ticket when money is tight, you're not alone. Speeding fines can be tough to manage, especially when unexpected. The good news is that you have several options, including using a car title loan, to pay off your ticket without missing the deadline or risking bigger problems.

In this guide from Tennessee Title Loans, Inc., we’ll explain how to pay your traffic fines, explore affordable alternatives, and show how a Tennessee car title loan can help you cover the cost quickly, even with bad credit.

How To Pay A Tennessee Speeding Ticket

It’s vital to pay your Tennessee traffic ticket to avoid the negative consequences, such as heavy fines, getting a driving ban, or receiving criminal charges. You must come up with a plan to resolve your speeding ticket to avoid further complications. You have three options for paying for your speeding ticket: online, by mail, or in person.

The following are the steps involved in paying a speeding ticket in Tennessee:

1. Gather Information On The Court

Before paying your Tennessee speeding ticket, you will have to find the court that issued your speeding ticket. Once you find the Tennessee traffic court that issued your speeding ticket, you can prepare to start the process of repaying your traffic fines.

If you wish to pay online, you can look at their payment option instructions to learn how this court wishes to receive an online payment. When paying via mail, you can look at their website or the traffic citation to find their mailing address. For in-person payment, you can find the address of the courthouse and the hours they are open to plan a visit to make your payment.

2. Prepare Your Payment

You must come up with the funds needed to pay your speeding ticket. If you are struggling to come up with the money, you can consult our section below about alternative options for speeding ticket payment. If you do have the money, how you prepare your payment will depend on how you wish to pay.

The following are the ways you can prepare your speeding ticket payment:

• Online: The court’s website will have a section dedicated to paying traffic fines. Follow the instructions to process your payment, which can likely be handled with a credit/debit card or electronic check. You will also likely need to have your citation number to process the payment.
• Mail: When paying via mail, you must make a check or money order to the court issuing the traffic fine. Make sure you enclose a check with your citation number in an envelope to mail.
• In-person: Visit the court during visiting hours to pay your traffic fine. You can pay via cash, check, money order, or credit card. Bring your citation with you so the clerk can properly process your payment.

3. Make Your Speeding Ticket Payment

Once you have your payment ready, you can pay the speeding fine to clear the citation. Make sure to check the speeding ticket to see what the due date is for your fine. Paying after the fine can lead to fines and other negative consequences. Make sure to pay for your speeding ticket on time to avoid further complications. You can receive a receipt for your personal financial records when paying online or in person.

What If You Can’t Afford The Fine?

If you're low on cash, here are 6 alternative ways to handle a speeding ticket in Tennessee:

1. Request A Fine Reduction

You can appear in court and ask the judge for a reduction. Bring your pay stubs and proof of expenses to show financial hardship.

2. Ask For An Extension

Many courts allow payment extensions if you explain your situation. Clean driving records help your case.

3. Set Up A Payment Plan

Pay your ticket in small installments. Courts may adjust your plan if you communicate consistently.

4. Attend Traffic School

This may reduce or eliminate your fine and prevent points from hitting your record.

5. Fight The Ticket

If you believe the citation was issued unfairly, you can contest it in court. Be prepared with evidence.

6. Use A Car Title Loan To Pay Your Ticket

One fast way to cover the cost is by applying for a car title loan in Tennessee. If you own your vehicle outright, you could borrow between $300 and $2,500 using your lien-free car title as collateral.

What You Need To Qualify For A Car Title Loan

Getting a Tennessee car title loan is simple. Here's what you’ll need:

• A valid driver’s license or government-issued photo ID
• Your lien-free car title
• Your car for a quick vehicle inspection

At Tennessee Title Loans, Inc., we accept all credit types. Apply online and get your cash as soon as the same day or the next business day.

Start the title loan process now

Don’t Let A Speeding Ticket Derail Your Budget

Leaving your speeding ticket unpaid can lead to fines and further infractions. If you don’t have the wiggle room in your monthly budget to pay off a ticket, you should consider some of the options listed above.

Tennessee Title Loans, Inc. is here to help if you need fast cash with our quick car title loan process. Submit your information through our online inquiry form and hear from one of our friendly loan associates over the phone soon to start the title loan process.

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