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.
Data compiled from public sources · Google rating shown when a stored review count is available
short-term cash access Loans operates a physical storefront payday lending business headquartered in Columbus, OH, with locations including Memphis, Tennessee. The company positions itself as a direct lender providing short-term cash advances to consumers facing urgent expense situations. Their Memphis location at 2600 Thousand Oaks Blvd opened to serve local residents and is staffed by a branch manager. The company advertises availability across multiple application channels: in-person store visits, phone applications, and online submissions through their website portal.
The company's primary product is payday loans, marketed as short-term borrowing solutions for amounts up to $1,000. They advertise average turnaround times of less than 30 minutes for in-store approvals and claim next-business-day funding for online applications. short-term cash access Loans explicitly states they accept applicants with bad credit and perform soft credit checks rather than hard inquiries. Eligibility requirements are straightforward: applicants must be 18+, provide a valid ID, proof of income, active checking account, and contact information. The company emphasizes that applying does not affect FICO credit scores.
short-term cash access Loans distinguishes itself through rapid approval and funding speed, local in-store presence, willingness to serve subprime borrowers, and listed communication about rates/fees availability. Their branch manager structure and extended business hours (8 AM–9 PM Monday–Saturday) suggest operational infrastructure beyond purely online lending. The company uses a referral model, noting that those who don't qualify with their lenders may be referred to alternative providers, positioning themselves as a connecting service rather than sole lender.
A critical caveat: the company's website footer contains a disclaimer stating QuickCashLoansWow.com is an "online direct lender connecting service, not a lender or broker," which contradicts the store-based lending representation. Payday loans carry significantly higher interest rates and fees than traditional credit products and are explicitly flagged as unsuitable for long-term borrowing. The company acknowledges this risk, advising customers to borrow only what they can repay by their next paycheck. No specific APR, fee schedule, or rate transparency appears on the provided page content.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Memphis, TN. It does not confirm that Quick Cash Loans or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
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.
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.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Quick Cash Loans offers 11 services including In-store payday loans (up to $1,000, same-day approval), Online payday loan applications with next-business-day funding, Phone-based loan applications at (901) 422-8162, Soft credit check (non-impact on FICO score), Direct lender payday loans (no third-party broker involvement claimed), and 6 more.
Quick Cash Loans has profile signals associated with Workers with short-term cash access emergencies (broken car, urgent bills) who can repay within one paycheck, Subprime credit borrowers locked out of traditional bank loans who need provider-stated funding timing, Employed individuals with steady income seeking alternative to overdraft fees or other high-cost options.
Key strengths: Same-day cash availability: up to $1,000 approved and funded in less than 30 minutes in-store; No hard credit check impact: applies via soft credit check, explicitly states no FICO score reduction; Accepts all credit types: explicitly welcomes bad credit applicants without credit score minimums. Areas to consider: High-cost product: payday loans inherently carry significantly higher rates/fees than traditional credit (specific APR not disclosed on page); repeat-borrowing risk risk: short repayment timeline (next paycheck) creates rollover borrowing cycles common in payday lending industry.
In the Emergency Cash category, comparable providers include Cash Cow Corporation, Pacific Cash Advance, The Loan Source, Inc. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Cash Loans serves customers in 3 states including Tennessee, Texas, California.
CreditDoc Profile Note
short-term cash access Loans is profile signals for employed individuals with immediate, genuine emergencies (car repairs, urgent bills) who can repay within a single pay cycle and have exhausted traditional credit options. The critical caveat is that payday loans are high-cost products with significant rollover risk; the website itself warns they are unsuitable for long-term financial needs. Applicants should only borrow the minimum amount necessary and confirm their repayment capacity before applying, as the published application timing timeline can obscure the predatory loan structure.
Nevada Title and Payday Loans, Inc. (Cash Cow Corporation) offers title-loan profile details up to $15,000, payday loans, and installment loans with listed funding timing at their Las Vegas location.
Google rating from 373 reviews
Profile signals: Vehicle owners with paid-off cars facing short-term cash access emergencies who cannot access other credit, Salaried or hourly employees needing short-term bridge loans between paychecks for urgent bills
Pacific Cash Advance offers payday loans with provider-stated funding timing at a Los Angeles location. Direct lender with no fees to verify and a referral rewards program.
Google rating from 20 reviews
Profile signals: Los Angeles residents facing short-term cash shortfalls before payday, Consumers with poor credit who cannot access traditional bank loans
The Loan Source is an SBA-licensed Small Business Lending Company (SBLC) since 1994, offering SBA loan programs, PPP forgiveness servicing, and a business services marketplace.
Google rating from 301 reviews
Profile signals: Small business owners seeking SBA-backed financing through a long-established, stable lender, PPP loan recipients needing professional forgiveness application support and guidance
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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.
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.
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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