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Part of the Speedy Cash chain · locations
Speedy Cash in Nashville, TN
Nashville, TN's Speedy Cash at 5002 Harding Pl provides fast payday and title loans.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
Speedy Cash is located at 5002 Harding Pl in Nashville, TN. This standalone storefront is open Monday through Saturday, with extended hours on Monday and Friday (9AM-7PM) and regular hours Tuesday through Thursday and Saturday (9AM-6PM or 9AM-4PM). The location serves Nashville residents seeking quick access to payday and title loan services.
At this Nashville location, you can apply for payday loans, title loans, and related financial services. Call 615-333-2488 to speak with the team about your loan options, eligibility, and application process. The staff at 5002 Harding Pl can answer questions about what documents you'll need and how quickly you can receive funds.
If you're a Nashville, TN resident needing fast cash, this Speedy Cash location offers a streamlined application process. Bring a valid ID, proof of income, and proof of address to expedite your application. Speedy Cash specializes in providing accessible lending solutions for Nashville residents.
Services & Features
Check cashing
Green Dot Visa debit card services
In-store loan consultation and application
Lines of credit up to $4,000
Money orders
Online loan application initiation
Payday loans up to $425
Phone-based customer service (1-888-333-1360)
Same-day or next-day funding for approved applicants
Title loans up to $4,000 (vehicle collateral)
Vehicle appraisal for title loan collateral
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Transparent cost disclosure—borrowers know exact loan cost before signing any agreement
- Fast funding available same-day or next-day for approved applicants at physical location
- Flexible Line of Credit product allows borrowers to draw funds as needed up to $4,000 limit rather than borrowing lump sum
- Extended weekday hours (until 7pm Monday and Friday) accommodate working schedules
- Vehicle title loans available up to $4,000 for consumers with clear vehicle titles
- In-store consultation allows questions about terms and repayment before committing
- Additional money services (check cashing, wire transfers, money orders) available at same location
Cons
- Payday loans capped at $425 are inadequate for many emergency expenses beyond immediate cash needs
- No APR or finance charge information disclosed on website, making true cost comparison impossible for consumers
- Title loan requirement for clear/first-lien title excludes consumers with existing liens on vehicles
- Limited to in-store application completion despite online initiation option, reducing accessibility for homebound or transportation-limited customers
- No mention of hardship programs, payment plans, or rollover policies if borrower cannot repay on schedule
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is Speedy Cash legitimate?
Yes. Speedy Cash is a registered company, headquartered in 5002 Harding Pl, Nashville, TN 37211.
Quick Facts
- Headquarters
- 5002 Harding Pl, Nashville, TN 37211
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Speedy Cash
Speedy Cash is designed for consumers facing genuine short-term cash emergencies (vehicle repair, medical bill, utility cutoff) who need same-day or next-day funding and have reliable income to repay within weeks. The critical caveat is that payday and title loans carry extremely high APRs (typically 300%+) and should only be used when alternatives like employer advances, credit union PALs, or payment plans are unavailable—repeated use creates a debt spiral.
Best For
- Workers facing temporary cash shortfalls before next paycheck with ability to repay quickly
- Vehicle owners needing larger emergency funds ($1,000+) who can use clear car title as collateral
- Small business owners or self-employed individuals needing flexible access to working capital via Line of Credit
- Consumers requiring money services (check cashing, wire transfers) in addition to potential short-term loan
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →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 must 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 cheapest 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 predatory 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 might only need 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 debt trap: 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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