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Stream Payday Loans in Franklin, TN
Tennessee Quick Cash offers flex loans, title loans, and check advances with same-day funding up to $4,000. Locally owned since 1997 with 22 physical locations across Tennessee.
Data compiled from public sources · Rating from CreditDoc methodology
Stream Payday Loans Review
Tennessee Quick Cash, Inc. has operated as a locally owned and operated lender in the greater Nashville area since 1997, with headquarters in Antioch, Tennessee. The company is fully licensed and compliant with Tennessee state lending laws. They position themselves as an industry leader in fast cash loans with a focus on accessibility for borrowers with bad or no credit.
The company offers three primary loan products: Flex Loans (a line of credit with no annual or penalty fees), Title Loans (30-day loans using vehicle collateral ranging from $100 to $6,500 depending on vehicle value), and Check Advances. Flex Loans allow customers to borrow up to their credit limit and pay finance charges only on the average daily principal balance. The company also provides ancillary services including check cashing and money orders. Loan amounts range from as low as $10 up to $4,000 for flex loans, with funding available online or at any of their 22 Tennessee locations.
Tennessee Quick Cash distinguishes itself through 22+ years of community presence, a streamlined online application process (approval and funding in minutes), and flexible loan options. Their Flex Loan product includes a 10% principal paydown feature that reduces the customer's next payment, and customers can access advances at any physical store location. The company emphasizes quick application processing and knowledgeable customer service representatives.
As an emergency cash lender, this company serves customers with immediate cash needs but operates as a short-term lending solution with finance charges. Customers should carefully review terms before borrowing, as title loans require vehicle collateral and all products carry finance charges. The company's specific APR and fee structures are not disclosed on the website, making independent rate comparison necessary before applying.
Services & Features
Account statements and online account access
Car Title Loans
Check Advances
Check Cashing
Flex Loans (lines of credit up to $4,000 with 10% principal paydown)
In-store loan advances at 22 locations
Money Orders
Motorcycle Title Loans
Online loan application and e-signing
RV Title Loans
Title Loans (vehicle collateral loans up to $6,500, 30-day terms)
Truck Title Loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Instant funding available—approval and cash disbursement in minutes online
- 22+ physical store locations across Tennessee for in-person service and advances
- Flex Loan product has no annual fees, no penalty fees, and no opening charges
- Flex Loan includes 10% principal paydown feature that reduces next payment amount
- Low credit or no credit accepted—explicitly states bad credit is not a barrier
- Flexible loan amounts from $10 to $4,000 (flex loans) and up to $6,500 (title loans)
- Simple, short online application process requiring minimal information
- Title loan borrowers keep their vehicle while getting cash on the spot
Cons
- Finance charges apply to all loan products; specific APR and fee schedules not disclosed on website
- Title loans require vehicle collateral, creating repossession risk if payment is missed
- Flex loans are lines of credit, not one-time loans, which may encourage repeated borrowing
- Limited to Tennessee locations only—not available nationwide
- Auto-draft payments required, which could cause overdraft issues if account has insufficient funds
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.0
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Stream Payday Loans legitimate?
Yes. Stream Payday Loans is a registered company, headquartered in 1113 Murfreesboro Rd, Franklin, TN 37064.
Quick Facts
- Headquarters
- 1113 Murfreesboro Rd, Franklin, TN 37064
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Stream Payday Loans
Tennessee Quick Cash is best for Tennessee residents in urgent need of small emergency cash ($100-$4,000) who have limited credit options and can qualify for same-day or next-day funding. The primary caveat is that all products carry undisclosed finance charges; customers must request specific APR and fee information before committing, as title loans carry repossession risk and flex loans may encourage debt cycling.
Best For
- Tennessee residents with unexpected emergencies who need cash within minutes
- Borrowers with poor or no credit history seeking fast approval without traditional bank requirements
- Vehicle owners needing short-term cash who can use a title loan and keep driving their car
- Customers seeking flexible credit access rather than a one-time loan amount
Updated 2026-04-29
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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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