If you are having financial trouble, you might already be wondering “where can I find payday loans near me?”, since payday loans are one of the most accessible type of loans you can take.

And this might actually be a good option that is available for you – because payday loans are not only easily accessible, but they are also quick and simple to get approved for, and hard to abuse and over-borrow.

But before you go googling “payday loans near me”, here is a checklist of things you would want to go over to make sure your situation actually calls for them.

When Should I Search for Payday Loans Near Me?

Let us make one thing clear – going into debt should never be your preferred course of action when dealing with money trouble. So before googling payday loans near me, make sure you cannot deal with the situation by getting money from other avenues – be it a salary advance, working overtime, finding a part-time gig, etc.

But when you are dealing with a time-sensitive problem and need cash on a VERY SHORT notice – say overdue rent that could get you evicted, unplanned medical expenses, or a major car breakdown – payday loans are a great option, let us show you why.

What Will I Need to Get Payday Loans Near Me?

What makes payday loans so good for emergencies is that you do not need a lot to qualify for them, so the application process is usually quick and easy.

Payday loans have only a few qualifying requirements. And whenever possible, the lender will do their best to bend the rules in your favor since they are interested in putting the cash in the potential borrower’s hands.

That said, there are a few items you would still need to provide since even the most benevolent lender will not be able to qualify you for the loan without them.

These items are:

• A government-issued photo ID – according to government regulations the lenders are beholden to, only those who can prove they are of legal age (over 18) can apply for payday loans. This means you must provide the lender with a valid document verifying your identity and your age.
• An active checking account in your name – you must provide the lender with a 30-day bank statement and a blank check from that checking account.
• Proof of income – typically your most recent pay stub would be customary but depending on your circumstances there can be alternatives!

Can I Apply for Payday Loans Near Me If My Credit Is Bad?

Yes, you can! Not only can you apply for payday loans if your credit is bad, but you can also apply even if it is completely nonexistent!

While the loan representative might perform a quick credit check, the results are not likely to disqualify you as long as the required items listed above are in order.

Will Getting Payday Loans Near Me Negatively Impact My Credit Score?

No.

When you apply for your loan on Tennessee Title Loans Inc., your loan information will not be reported to the credit bureaus, so it will not have any impact – be it negative or positive – on your existing credit.

The loan will remain entirely between you and the lender.

Can I Apply for Payday Loans Near Me If I Am Unemployed?

Yes, you can.

While, as mentioned above, providing your most recent pay stub as proof of income is customary (and will help move the application process along). If you are unemployed, you can use alternative income sources as means for paying off your loan.

Unemployment benefits, worker’s compensations, pensions, savings, and more have all been successfully used to pay off the loans at Tennessee Title Loans Inc.

Talk to your loan representative about your situation during the initial phone call and they will do their best to come up with an optimal option for you.

How Do I Get The Process Started for Payday Loans Near Me?

If you have got your required items in order, all you will need to get the process started are your phone and internet connection – because you can easily do so online from the comfort of your own home.

Go to the Tennessee Title Loans Inc. website, fill out the online form for payday loans and submit it. The loan representative from the nearest store location will give you a call when the form gets processed to provide further instructions and schedule an appointment for you.

Take the required items to that appointment, so that the loan representative can assess everything and determine If you qualify for the payday loan and how much cash you should get (could be anywhere between $100 and $400).

If the loan representative approves you for the loan, you will finish the easy paperwork right there and then and get the cash you qualify for the very same day.

This entire procedure typically lasts under an hour and could take as little as 30 minutes.

Get Your Payday Loan Today

The search is over. You do not need to wonder “where can I find payday loans near me” anymore. We have got the best answer for you here. Fill out the form for online payday loans today and put your mind to ease.

 

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