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Venture Payday Loans
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Part of the Speedy Cash chain · locations
Speedy Cash in Nashville, TN
Nashville, TN's Speedy Cash at 718 Gallatin Ave offers quick payday and title loans with extended weekday hours.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
The Speedy Cash branch at 718 Gallatin Ave in Nashville sits as a standalone storefront, conveniently located for immediate access. This Nashville, TN location serves customers Monday through Saturday, with extended hours on Monday and Friday (9AM-7PM), shorter hours Tuesday through Thursday (9AM-6PM), and Saturday morning service (9AM-4PM). The store closes Sundays to give the Nashville community time to plan ahead.
Speedy Cash at this Nashville location specializes in fast payday loans and title loans for customers facing immediate cash needs. Contact the 718 Gallatin Ave branch at +1 615-913-4166 to discuss your borrowing options. The team can walk you through the application process and help you understand your loan terms before commitment.
If you live or work in Nashville and need same-day funds, bring a valid government ID, recent pay stubs, and a blank check or bank account information when you visit. Speedy Cash helps with unexpected bills and urgent expenses. Plan your visit around the location's schedule to ensure you can complete your application during business hours.
Services & Features
Check cashing
Green Dot Visa debit card services
In-store loan applications with staff consultation
Lines of credit up to $4,000
Money orders
Online loan applications
Payday loans up to $425
Title loans up to $4,000 (vehicle collateral required)
Vehicle appraisal for title loans
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple loan products available (payday, title, line of credit) allowing borrowers to choose based on their specific needs
- Loans available up to $4,000 (via title loans or lines of credit) for larger emergency needs
- Online application option available in addition to in-store applications
- Extended weekday hours (some locations open until 7pm) and Saturday availability (9am-4pm)
- In-store staff available to explain loan terms and answer questions during application process
- Same-day or next-day funding available for approved applicants
- Additional money services (check cashing, wire transfers, money orders) available at most locations
- Multiple locations across Tennessee and surrounding areas for accessibility
Cons
- APR rates and actual cost of borrowing not disclosed on the website, making it impossible to assess true cost before applying
- Payday loans capped at $425 with repayment due in ~14 days creates risk of rollover debt cycles
- Title loans require vehicle collateral, creating risk of vehicle repossession if unable to repay
- Short repayment terms on payday loans may not align with actual financial recovery timelines for consumers in genuine hardship
- No mention of alternative debt counseling, financial coaching, or resources to prevent repeat borrowing
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Speedy Cash legitimate?
Yes. Speedy Cash is a registered company, headquartered in 718 Gallatin Ave, Nashville, TN 37206.
Quick Facts
- Headquarters
- 718 Gallatin Ave, Nashville, TN 37206
- 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 best for employed individuals needing $100-$4,000 in emergency cash who can access a physical store location and repay within weeks to months. The primary caveat is that APR rates are not disclosed on their website, and payday loans specifically carry high rollover risk; consumers should obtain explicit rate quotes before applying and explore whether payday alternative loans or credit union options exist first.
Best For
- Employed individuals with immediate cash needs (under $425) who can repay within 2 weeks
- Vehicle owners needing $1,000-$4,000 for emergencies who can reliably make installment payments
- Consumers who prefer in-person application and staff guidance over online-only lending platforms
- Individuals in Memphis area needing check cashing or money transfer services alongside potential lending
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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