Emergency-Cash · Tennessee
Rating: 2.3/5
Cash In A Flash Check Advance is a storefront check advance lender in Memphis, TN offering small fast loans with same-day funding to customers who meet basic employment and residency requirements.
Cash In A Flash Check Advance operates a single physical location at 4098 Summer Ave in Memphis, Tennessee. The company specializes in check advance loans, a type of emergency cash product designed for consumers who need immediate funds before their next paycheck. According to their website, they serve customers within a 30-mile radius of their Memphis store location and require customers to originate loans in person at the physical branch.
The company offers check advance loans in the typical emergency-cash range ($100–$1K range based on category standards). To qualify, applicants must provide recent bank statements, current payroll stubs or proof of deposit, proof of residency, valid identification (driver's license, state ID, or Social Security card), and demonstrate no active bankruptcy or wage garnishment. The company also advertises incentive programs including new customer discounts and referral rewards, though specific terms are not detailed on the website.
Cash In A Flash distinguishes itself through straightforward local service and transparent qualification requirements posted directly on their website. They explicitly state that loans are subject to approval and can only be originated at the physical store location, setting clear expectations about how the lending process works. The company maintains direct contact channels (phone, fax, email) and actively promotes customer engagement through their referral program.
As an emergency cash lender, this company fills a niche for Memphis-area workers who need rapid access to funds. However, consumers should note that check advance loans typically carry high fees and APRs. The website provides no information about interest rates, fees, repayment terms, or total cost of borrowing—critical details necessary for consumers to compare this option against payday alternatives or other emergency funding sources.
The lack of online application or funding capability may be inconvenient for time-sensitive borrowers.
Reader-focused summary of the strongest reasons to consider Cash in a Flash Check Advance and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.
Cash in a Flash Check Advance works best for consumers who value physical storefront location in memphis provides face-to-face service for custom and can accept the tradeoff of website does not disclose apr, fees, or total cost of borrowing—critical informa. Compare against similar providers below before signing any contract.
Before signing up with any Emergency Cash provider, review these safeguards:
Match these decision factors against Cash in a Flash Check Advance's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Emergency Cash providers.
Emergency Cash
8 services listed
1 states
Cash in a Flash Check Advance offers 8 services including Check advance loans (emergency cash advances), Same-day or next-day funding for approved applicants, New customer discounts, Referral reward program, In-person loan origination and approval, and 3 more. Confirm current service list directly with the provider before contracting.
Cash in a Flash Check Advance's profile signals suggest it may fit: Memphis-area workers with steady income who need rapid cash access between paychecks and prefer in-person transactions; Applicants with alternative income sources (Social Security, benefits) who may not qualify for traditional bank loans; Customers without online banking access who require face-to-face lending and simple qualification criteria. Individual outcomes vary based on your specific situation.
Key strengths: Physical storefront location in Memphis provides face-to-face service for customers who prefer in-person lending; Transparent eligibility requirements posted on website (recent pay stub, bank statement, ID, residency proof); New customer discount program available (specific terms not disclosed). Areas to consider: Website does not disclose APR, fees, or total cost of borrowing—critical information for informed decision-making; Loans must be originated in-person at physical location only; no online application or funding available.
In the Emergency Cash category, comparable providers include ACE Cash Express, 12M Payday Loans, 15M Finance. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Cash in a Flash Check Advance serves customers in 1 states including Tennessee. Confirm current service availability in your state directly with the provider.
Listed pricing for Cash in a Flash Check Advance: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.
This is state-level context for Emergency Cash consumers in Tennessee. It does not confirm that Cash in a Flash Check Advance or this specific location is licensed.
Payday lending in Tennessee: Legal (max $500)
Usury cap: 24% for consumer finance loans; payday loans regulated under Deferred Presentment Act
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.
Comparable Emergency Cash providers with similar service scope. Ratings reflect stored review context; verify current licensing and pricing directly before contracting.
ACE Cash Express offers payday loans ($100–$255) and short-term cash advances in California, with both online and in-store options for fast emergency funding.
Rating 3.3/5
Notable: Low loan caps ($100–$255 max in California) reduce the risk of over-borrowing compared to larger payday loans
12M Payday Loans operates physical locations across California offering fast payday loans up to $5,000 and check cashing services for urgent financial needs.
Rating 2.8/5
Notable: 14 physical store locations across California enabling in-person service and same-day transactions
15M Finance offers payday and installment loans up to $5,000 with online applications and 24-hour funding. A loan marketplace that connects borrowers to lend...
Rating 2.8/5
Notable: Advertises same-day or next-day funding (within 24 business hours) for time-sensitive borrowing needs
1st Capital Car Title Loans Clover offers fast title loans up to $10,000 in Clover, SC, allowing borrowers to keep their vehicles while accessing emergency cash.
Rating 4.3/5
Notable: Loan amounts up to $10,000 available for emergency cash needs
Second Chance Ventures is a loan matching platform connecting borrowers with lenders for small personal and short-term loans ($100-$5,000) with fast funding.
Rating 2.6/5
Notable: Two-minute application process requiring only basic identity, employment, and income information
300 Cash Loans Houston, TX — 300 Cash Loans offers payday and installment loans up to $5,000 in Houston with no hard credit checks and next-business-day...
Rating 2.8/5
Notable: No hard credit checks; applicants approved based on income and eligibility rather than credit score
A-1 Cash Advance offers payday loans up to $825 with same-day online approval and check cashing services across Indiana and Tennessee locations since 1996.
Rating 2.8/5
Notable: Same-hour online approval with 24/7 application availability
Georgia-based lender offering small personal loans up to $2,000 with same-day approval and pickup. Licensed by Georgia Department of Banking & Finance with 1...
Rating 2.6/5
Notable: Same-day approval and cash pickup available for applications submitted before 2 PM
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Cash in a Flash Check Advance — Emergency Cash in Tennessee.
Overall rating: 2.3/5
Cash In A Flash Check Advance is a storefront check advance lender in Memphis, TN offering small fast loans with same-day funding to customers who meet basic employment and residency requirements.
Common terms that come up when comparing Emergency Cash providers. Full glossary at creditdoc.co/glossary/.