Compare 13 emergency cash companies serving Memphis, Tennessee. Average rating: 2.8/5.
Tennessee allows payday lending with a $500 cap and 15% fee limit. Borrowers are limited to two simultaneous loans. The Department of Financial Institutions regulates all consumer lenders, and complaints can be filed with the Department or the Attorney General.
Memphis-based lender offering payday loans and title loans up to $2,500 with same-day or next-day funding. First advance is free for new customers.
Best for: Consumers with true emergencies who have exhausted all lower-cost alternatives (credit unions, PALs, employer advances, family/friends), Borrowers with damaged credit unable to qualify for traditional bank loans or credit cards
Memphis-based payday and title loan lender offering fast cash up to $2,500 with same-day or next-day funding. First advance is free for new customers.
Best for: Memphis-area residents facing immediate cash emergencies with no other options, Borrowers with poor or no credit history unable to access traditional loans
Second Chance Ventures is a loan marketplace connecting applicants to a network of lenders offering personal and short-term loans from $100–$5,000 with same-day to next-business-day funding.
Best for: Borrowers with poor or limited credit seeking same-day emergency cash for unexpected expenses, Applicants needing small loans ($100–$1,000) for immediate expenses without multi-week underwriting
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Best for: Consumers in Memphis, Tennessee looking for personal lending services, People who prefer working with a local personal lending provider
Tennessee-based title and payday lender offering same-day cash loans up to $2,500 with promotional rates for new customers.
Best for: Consumers with vehicle titles facing immediate emergency expenses who can repay within 30 days, Payday loan borrowers seeking same-day funding with checking accounts and stable income
NiceLoans! offers fast personal and payday loans up to $2,000 with same-day service estimates across 4 Tennessee locations, emphasizing quick approval and flexible repayment options.
Best for: Tennessee residents with urgent cash needs under $2,000 who prefer in-person service, Consumers who want to speak with a loan professional before committing to a loan
Memphis-based lender offering payday loans and title loans up to $2,500 with same-day or next-day funding. First advance is free for new customers.
Best for: Consumers with true emergencies who have exhausted all lower-cost alternatives (credit unions, PALs, employer advances, family/friends), Borrowers with damaged credit unable to qualify for traditional bank loans or credit cards
Memphis-based payday and title loan lender offering fast cash up to $2,500 with same-day or next-day funding. First advance is free for new customers.
Best for: Memphis-area residents facing immediate cash emergencies with no other options, Borrowers with poor or no credit history unable to access traditional loans
Second Chance Ventures is a loan marketplace connecting applicants to a network of lenders offering personal and short-term loans from $100–$5,000 with same-day to next-business-day funding.
Best for: Borrowers with poor or limited credit seeking same-day emergency cash for unexpected expenses, Applicants needing small loans ($100–$1,000) for immediate expenses without multi-week underwriting
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Best for: Consumers in Memphis, Tennessee looking for personal lending services, People who prefer working with a local personal lending provider
Tennessee-based title and payday lender offering same-day cash loans up to $2,500 with promotional rates for new customers.
Best for: Consumers with vehicle titles facing immediate emergency expenses who can repay within 30 days, Payday loan borrowers seeking same-day funding with checking accounts and stable income
NiceLoans! offers fast personal and payday loans up to $2,000 with same-day service estimates across 4 Tennessee locations, emphasizing quick approval and flexible repayment options.
Best for: Tennessee residents with urgent cash needs under $2,000 who prefer in-person service, Consumers who want to speak with a loan professional before committing to a loan
Quick Cash Loans offers in-store and online payday loans up to $1,000 with same-day funding in Memphis, TN. Fast approval process targeting consumers with all credit types.
Best for: Workers with immediate cash emergencies (broken car, urgent bills) who can repay within one paycheck, Subprime credit borrowers locked out of traditional bank loans who need same-day funding
Cash in a Flash offers payday and signature loans across 5 states with same-day to 30-minute funding for emergency cash needs.
Best for: Residents in AL, LA, MS, OK, or TN facing genuine short-term cash emergencies, Borrowers who prefer in-person loan transactions and local branch access
Signature Finance is a Memphis-based installment lender offering small loans ($100–$1,050) with fast approval and monthly payment options for unexpected expenses.
Best for: Consumers in the Memphis, TN area needing $100–$1,000 for immediate expenses, Unbanked or underbanked individuals who prefer phone-based lending over digital platforms
At 2926 Lamar Ave in Memphis, TN, Speedy Cash provides payday and title loans.
Best for: Employed individuals with immediate cash needs before payday who prefer in-person application assistance, Vehicle owners needing larger emergency loans ($2,000-$4,000) willing to use car title as collateral
Tennessee Title Loans, Inc. offers same-day title loans ($300–$2,500), payday loans ($100–$400), and flex lines of credit (up to $4,000) with no credit check required at multiple Memphis-area locations.
Best for: Consumers with an immediate cash emergency (within 24–48 hours) and no alternative funding sources (credit unions, family, employer advances), Vehicle owners with paid-off cars who need collateral-based lending and can afford quick repayment
TitleMax offers title-secured loans up to $4,000 with same-day approval in Memphis and across Tennessee, allowing borrowers to keep driving their vehicle while repaying.
Best for: Vehicle owners facing sudden cash emergencies who need funds within hours or same-day, Borrowers with poor or fair credit who cannot qualify for traditional personal loans or lines of credit
USA Payday Loans is a loan marketplace that connects borrowers to a network of lenders offering small emergency loans ($100–$5,000) with fast funding, typically within 24–48 hours.
Best for: Consumers with immediate cash emergencies (unexpected medical bills, car repairs) who have exhausted other options, Borrowers with poor or limited credit history unable to qualify for traditional personal loans