When unexpected expenses strike, a payday loan can be a fast and easy way to get emergency cash. Many Tennessee residents use payday loans to handle short-term financial challenges without waiting for their next paycheck.

However, before you apply for a cash advance payday loan, it’s important to know the details and assess if this is the right option for your situation. Let’s explore when payday loans are useful and what you need to qualify in Tennessee.

When Should You Apply for a Payday Loan?

Going into debt should never be your first choice. Even if you’re pressed for cash, you should consider if there are other options – budget rearrangement, asking for a payroll advance, getting a side-hustle, and so on.

But sometimes there are situations when the problem needs to be dealt with urgently and that’s when you should start googling what do you need to get a payday loan or cash advance. These short-term loans are best for urgent expenses that can’t wait until payday, such as:

• Overdue rent or utility bills
• Emergency medical or dental costs
• Unexpected car repairs
• Last-minute travel or vet bills
• Urgent home or plumbing fixes

Now that we’ve determined when you should be applying for the payday loan, let’s move onto the question of what do you need to get a payday loan.

What Do You Need To Get a Payday Loan in Tennessee?

If you are asking ‘what do you need to get a payday loan?’ the answer is not much. Qualifying requirements are quite flexible when it comes to payday loans. You need to be of legal age and you need to have a way to pay the loan off. Here’s what you’ll need to bring: 

• Bring in your ID
• Your most recent pay stub
• A checking account statement that is open and in your name.

Anyone who satisfies those requirements can apply – even if their credit score is bad or outright nonexistent! Here is a little more information on the required items you need to bring in:

1. A Government-Issued ID

You must be at least 18 years old to be eligible for a title loan in Tennessee – and able to prove it. So you’ll need to provide the lender with a valid government-issued ID.

2. Proof Of Income

The source of your income doesn’t matter. We here at Tennessee Title Loans, Inc. will try to accept and accommodate any type of income. As long as you can provide proof that you’ve got income, you’re good to go.

However, you don’t even need to have an income to be approved – even if that makes things much easier. As long as you can prove you can pay the loan off in time, you can possibly qualify for approval even if you’re unemployed.

Standardly, you’ll be asked to provide your most recent pay stub as proof of income. But if you cannot provide the pay stub due to being unemployed, other proofs of your ability to pay can work too. This can be anything from your unemployment benefits to your bank statements proving you’ve got some cash saved up.

Ask the loan representative that will contact you about your options if you don’t have an active income source or aren’t employed! We are here to try to help you! Depending on your circumstances, the loan representative will do their best to adjust the loan terms and set you up with a comfortable payoff schedule.

3. An Active Checking Account Statement In Your Name

Like a valid ID, this is another non-negotiable. You need an active checking account to receive the payday loan – and you need that checking account to be in your name with the statement to prove it.

Unfortunately, you won’t be able to use your relative’s or friend’s checking account, even if you provide valid proof that they’ve agreed for their checking account to be used in this way.

How to Apply for a Payday Loan in Tennessee

Applying is quick and easy with Tennessee Title Loans, Inc. Here’s how it works:

1. Start Online: Fill out the quick online form on our website.
2. Get Contacted: A loan representative will reach out to confirm details and schedule your appointment.
3. Visit a Store: Bring your documents to a nearby location for review.
4. Receive Your Cash: If approved, get up to $400 within 30 minutes!

Now that we’ve answered the “what do you need to get a payday loan?” question, you can get the required items in the order and apply without further delay. And you can easily start the process without having to leave your couch.

Just get on the phone or a computer, go to the Tennessee Title Loans, Inc. website, and fill out the online form. When the form gets processed in a few minutes, you’ll be contacted by a loan representative who’ll provide further instructions and set up an appointment for you.

Take the required items – your state-issued ID, your most recent pay stub, a blank check from an active checking account in your name – to the appointment at a payday loans location near you. The loan representative will assess everything to give you an answer. They’ll determine if you qualify for the loan and how much cash you should get based on your documents, which could be up to $400.

If you’re approved, you’ll get the cash the very same day. This entire procedure takes on average no more than 30 minutes. So when you are ready to apply for a payday loan, remember to find out exactly what do you need to get a payday loan in Tennessee.

Why Choose a Tennessee Payday Loan?

Choosing a payday loan in Tennessee through Tennessee Title Loans, Inc. gives you several advantages:

• Fast approval and same-day funding
• No credit check required
• Simple requirements and flexible terms
• Trusted local service across multiple Tennessee locations
• Easy online process from start to finish

With us, you can get a cash advance from our payday loans today and handle your emergency expenses with confidence.

Apply for a Payday Loan in Tennessee Today

Now that you know what’s required, get started today! Visit our website to fill out the online form and take the first step toward securing quick cash for your financial emergencies.

FAQ: Payday Loans in Tennessee

1. How much can I borrow with a Tennessee payday loan?
You can borrow up to $400 in cash with a payday loan from Tennessee Title Loans, Inc.

2. Can I get a payday loan with bad credit?
Yes! Your credit score is not the main factor. As long as you meet the basic requirements, you may qualify.

3. How fast can I get the money?
Most approved applicants receive their cash advance the same day, often within 30 minutes of approval.

4. Do I have to apply in person for a payday loan?
No, you can start your online payday loan application and complete it at a nearby store once you’re pre-qualified.

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