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+ Tennessee locations.
Data compiled from public sources · Rating from CreditDoc methodology
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. Over its 22-year history, it has established a network of multiple physical store locations across Tennessee, positioning itself as a community-based alternative finance provider.
The company offers three primary loan products: Flex Loans (unsecured lines of credit with no annual fees or penalty fees), Title Loans (secured loans using vehicle titles, ranging from $100–$2,500 standard, up to $6,500 based on vehicle value), and Check Advance services. Flex Loans allow customers to borrow up to their credit limit, pay interest only on the average daily balance for the days borrowed, and access their account online. All products advertise instant or same-day funding through an online application process completed in minutes, with e-signature capability.
TN Quick Cash distinguishes itself through its multi-location physical presence (allowing in-person advances at any of 22 stores), a 10% principal paydown feature on Flex Loans that reduces future payment obligations, and explicit marketing toward consumers with bad credit or no credit history. The company emphasizes a "fast, friendly, and easy" application process with knowledgeable customer service representatives and does not require perfect credit for qualification.
As an emergency cash lender, TN Quick Cash serves a legitimate but cost-intensive financial niche. While the Flex Loan structure (no annual fees, no penalty fees, interest only on daily balance) is more consumer-friendly than traditional payday loans, title loans and check advances carry inherent risks—vehicle repossession for title loans and overdraft risk for check advances. The company's APRs are not disclosed on the website, making true cost comparison difficult. This is appropriate for genuine emergencies but not suitable as a regular financial solution.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. TN Quick Cash Inglewood is a registered company, headquartered in Nashville, TN.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Tennessee Quick Cash is appropriate for Tennessee residents with poor credit facing genuine short-term emergencies who have reliable repayment ability and access to a physical location. The critical caveat is that APRs and true finance charges are not disclosed on the website; consumers must contact the company directly or visit in person to understand the actual cost before borrowing, as title loans and check advances can be significantly more expensive than installment personal loans if rates are high.
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Nevada Title and Payday Loans, Inc. offers fast auto title loans, payday loans, and signature installment loans with same-day or next-day funding at their Las Vegas location.
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USA Cash Services offers payday loans, installment loans, and title loans with next-business-day funding across five western states and select Midwest locations.
Best for: Consumers with immediate cash needs before payday in California, Idaho, Nevada, Utah, or Wyoming, Individuals with access to physical store locations who prefer in-person application and verification
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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 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.
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 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.
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 might only need 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 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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