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Advance America in Smyrna, TN

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Smyrna, TN Advance America at 213 S Lowry St offers payday loans and title loans during weekday and Saturday hours.

Data compiled from public sources

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Advance America Review

Advance America's Smyrna location sits at 213 S Lowry St, easily accessible for residents of Smyrna, TN needing quick financial solutions. The standalone storefront is open Monday through Friday from 10 AM to 6 PM, with Saturday hours from 10 AM to 2 PM, and is closed on Sundays. This central Smyrna location makes it convenient for locals to stop by during their workday or weekend errands.

This Smyrna branch specializes in payday loans and title loans, providing short-term cash advances to residents facing unexpected expenses or bridging cash flow gaps until their next paycheck. To apply or ask about loan options at the Smyrna location, call +1 615-355-0042 during business hours, and the staff will walk you through the application process.

If you're a Smyrna resident considering a payday or title loan, bring a valid government-issued ID, proof of income (recent pay stub), and your bank account information to speed up the application process at this location. Advance America specializes in published application timing and provider-stated funding timing for eligible borrowers.

Services & Features

Bilingual (Spanish) customer service
In-store loan applications with trained staff assistance
Installment loans ($100–$1,000, online or in-store)
Loan comparison and product education resources
Online loan applications and pre-qualification
Payday loans ($100–$500, online or in-store)
Phone-based pre-qualification and customer support
Same-day funding for eligible borrowers
Store locator service to find nearby branches
Title loans ($2,000–$25,000, online or in-store)
Western Union money transfer services

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • provider-stated funding timing available for payday and installment loans up to $1,000
  • Offers three distinct loan products (payday, installment, title) to accommodate different borrowing needs
  • High customer satisfaction with 4.9/5 rating based on 125,598 reviews
  • Bilingual service (Spanish-language support) at physical locations
  • Title loans available up to $25,000 for vehicle owners with clear titles
  • Extended hours (10 am–6 pm weekdays, 9 am–4 pm Saturday) for working customers
  • Multiple application channels: in-store, online, and phone pre-qualification
  • Additional services like Western Union money transfers at store locations

Cons

  • Payday loans capped at $500 with very short 2–4 week repayment terms, creating rapid repayment pressure
  • APR rates and full fee schedules not disclosed on location page, limiting transparency for cost comparison
  • Title loans require vehicle ownership with clear title and full payoff, excluding many borrowers
  • Short-term loan structure designed for emergency use only; not suitable for long-term debt needs
  • No advertised alternative products for borrowers seeking longer repayment terms or lower-cost financing

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State Consumer Finance Context

This is state-level context for Emergency Cash consumers in Smyrna, TN. It does not confirm that Advance America or this specific location is licensed.

State regulator

Tennessee Department of Financial Institutions

Consumer protection

Tennessee Attorney General Consumer Protection Division

Payday loan rules in Tennessee

Status: Permitted

Rate context: Maximum fee of 15% of the advance amount

Amount context: $500

Term context: 31 days

Regulated under Tennessee Deferred Presentment Act (Tenn. Code Ann. § 45-17-101 et seq.). Borrowers limited to two outstanding payday loans at any time. Lenders must be licensed with Tennessee Department of Financial Institutions. No statewide database system currently in place.

Installment loan rules in Tennessee

Status: Permitted

Rate context: 24% APR for consumer finance installment loans; rates may vary for other installment loans

Governed by Tennessee Consumer Finance Act (Tenn. Code Ann. § 45-1-201 et seq.). Lenders must disclose all terms including finance charges, payment schedule, and total amount financed.

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of 15% of the advance.
  • Maximum loan term is 31 days.
  • Borrowers limited to two outstanding payday loans at a time.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

Does Advance America respond to consumer complaints?

According to CFPB data (2023-present), Advance America has a 99.8% response rate to consumer complaints, with 97.3% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.

What services does Advance America offer?

Advance America offers 11 services including Payday loans ($100–$500, online or in-store), Installment loans ($100–$1,000, online or in-store), Title loans ($2,000–$25,000, online or in-store), Same-day funding for eligible borrowers, Online loan applications and pre-qualification, and 6 more.

What profile signals are listed for Advance America?

Advance America has profile signals associated with Employed individuals needing $100–$1,000 urgently between paychecks, Vehicle owners seeking larger loans ($2,000–$25,000) using car title as collateral, Spanish-speaking borrowers in Jacksonville area seeking bilingual financial services, Consumers requiring same-day cash access with flexible in-store or online application options.

What are the strengths and weaknesses of Advance America?

Key strengths: provider-stated funding timing available for payday and installment loans up to $1,000; Offers three distinct loan products (payday, installment, title) to accommodate different borrowing needs; High customer satisfaction with 4.9/5 rating based on 125,598 reviews. Areas to consider: Payday loans capped at $500 with very short 2–4 week repayment terms, creating rapid repayment pressure; APR rates and full fee schedules not disclosed on location page, limiting transparency for cost comparison.

How does Advance America compare to similar companies?

In the Emergency Cash category, comparable providers include Columbia Check Advance & Auto Titles, E Z Cash, Murfreesboro Fast Cash - Payday Loans, Title Loans, Cash Advances, and Check Advances. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
213 S Lowry St, Smyrna, TN 37167
BBB Accredited
No
Visit Advance America

CreditDoc Profile Note

Research Note on Advance America

Advance America is profile signals for employed consumers in immediate need of $100–$1,000 in emergency cash who can qualify based on income verification and checking account access. The primary caveat is that all loan products are short-term solutions with fees and interest rates typical of the emergency lending category; borrowers should fully understand repayment obligations and total cost before applying, as payday loans in particular carry high effective APRs due to short terms.

CFPB Transparency Report

Public data from the Consumer Financial Protection Bureau

Response Rate*
99.8%
On-Time Response**
97.3%

* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)

** Percentage of responses delivered within the CFPB's 15-day window

Source: consumerfinance.gov | Last checked 2026-04-01

Profile Signals

  • Employed individuals needing $100–$1,000 urgently between paychecks
  • Vehicle owners seeking larger loans ($2,000–$25,000) using car title as collateral
  • Spanish-speaking borrowers in Jacksonville area seeking bilingual financial services
  • Consumers requiring same-day cash access with flexible in-store or online application options
Updated 2026-05-08

Similar Companies

Columbia Check Advance & Auto Titles logo

Columbia Check Advance & Auto Titles

Neighborhood Cash offers title loans, payday loans, and signature loans with provider-stated funding timing across Tennessee and Kentucky locations. New customers receive promotional offers including advertised 0% interest to verify for 30 days on title loans.

BBB: NR

Profile signals: Vehicle owners needing $1,000-$2,500 in emergency cash who qualify for title loans, Employed individuals with checking accounts facing short-term cash access shortages (payday loans)

View Details
E Z Cash logo

E Z Cash

E-Z Cash offers payday loans (up to $425) and title loans (up to $2,500) with fast funding at physical locations across Tennessee, Mississippi, and Louisiana.

BBB: NR

Profile signals: Workers facing genuine one-time emergencies with no other credit access who can repay in 14 days, Vehicle owners needing $500–$2,500 quickly with title loan as collateral alternative

View Details
Murfreesboro Fast Cash - Payday Loans, Title Loans, Cash Advances, and Check Advances logo

Murfreesboro Fast Cash - Payday Loans, Title Loans, Cash Advances, and Check Advances

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: Consumers in Murfreesboro area seeking emergency cash who can visit in-person, Those willing to contact via phone to verify current operations before applying

View Details

Compare Your Needs With Advance America

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Quick Summary

  • Advance America is listed as a Emergency Cash provider in Smyrna, TN on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.

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Financial Terms Explained (10 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

APR — Annual Percentage Rate

The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.

Why it matters

Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.

Example

You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.

Compound Interest

Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.

Why it matters

Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.

Example

You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.

MAPR — Military Annual Percentage Rate

A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.

Why it matters

The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.

Example

A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.

Usury Rate — Usury Rate (Interest Rate Cap)

The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.

Why it matters

Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.

Example

New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.

How Loans Work

Collateral — Loan Collateral

An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.

Why it matters

Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.

Example

A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.

Fees & Costs

Late Fee — Late Payment Fee

A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.

Why it matters

The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.

Example

Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.

NSF Fee — Non-Sufficient Funds Fee

A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'

Why it matters

NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.

Example

Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.

Legal Terms

Usury — Usury (Illegal Interest)

The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.

Why it matters

If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.

Example

Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.

Credit Cards

Cash Advance — Credit Card Cash Advance

Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.

Why it matters

Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.

Example

You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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