E-Z Cash is a regional emergency lending company with six locations across Tennessee, Mississippi, and Louisiana. The company has been servicing cash and tax needs through a network of physical storefronts, with the primary Memphis-Sycamore View location serving as the main office. Their operational model centers on rapid access to small-dollar loans for consumers facing immediate financial needs.
E-Z Cash offers two primary loan products: payday loans capped at $425 in Tennessee with 14-day terms, and title loans available up to $2,500 with 30-day terms. For payday loans, fees range from $13.24 on a $75 loan to $75.00 on a $425 loan, translating to APRs of approximately 115-260% depending on loan size. Title loans carry a flat 20% fee for 30-day terms. Both products require standard documentation including proof of income, address, bank statements, SSN, ID, and a debit card; title loans additionally require vehicle title and keys.
E-Z Cash distinguishes itself through multi-state branch availability and advertised tax preparation services alongside lending. The company maintains limited Saturday hours (first of each month only, 10am-2pm) and standard weekday availability (9:30am-6pm). They provide multiple contact channels including phone, email, and Facebook, with a fax-based back office operation across all locations, suggesting a traditional brick-and-mortar lending model rather than online-only operations.
E-Z Cash operates in a high-cost emergency lending category with fees and APRs substantially above payday-alternative products. While the company is listed about fee structures and loan terms on its website, consumers should recognize that payday and title loans are typically designed as short-term emergency solutions. The maximum loan amounts are modest, and the cost of borrowing is significant compared to traditional personal loans or credit union products.
