E-Z Cash is a multi-state emergency lending company operating physical storefronts in Tennessee, Mississippi, and Louisiana. The company has been servicing cash needs through brick-and-mortar locations, with their primary Memphis operation on Sycamore View and additional branches in Winchester (TN), Southaven, Olive Branch, and Byhalia (MS), and Boutte and Shreveport (LA). The company positions itself as addressing short-term cash needs alongside tax services.
E-Z Cash primarily offers two loan products: payday loans and title loans. Payday loans in Tennessee max out at $425 (state regulatory cap) with a 14-day term structure. Fees are based on a fixed schedule—for example, a $100 loan costs $17.65 in fees for $117.65 total repayment, equating to approximately 635% APR. Title loans allow borrowing from $100 to $2,500 with a flat 20% fee on 30-day terms. Both products require standard documentation: proof of income, address, SSN, picture ID, bank statements, and a debit card. Title loans additionally require vehicle title and key.
E-Z Cash distinguishes itself through established multi-state operations and listed fee disclosure on their website. Their Saturday hours (first Saturday of each month, 10am–2pm) accommodate some working customers. The company has maintained a consistent brand across six locations and provides multiple contact channels (phone, email, Facebook). However, they operate at the higher end of the legal rate spectrum within state-allowed limits, and their physical-location-only model lacks online application or funding convenience.
This is a straightforward emergency lender serving customers who are researching short-term cash access and either own a vehicle (for title loans) or meet payday loan income requirements. The rates are legally permissible but expensive—best used for genuine emergencies, not regular borrowing. Applicants should understand they are borrowing at maximum-allowable state rates and should exhaust alternatives before applying.
