Nashville, TN · South · Allowed
Payday loans in Nashville
Nashville is governed by Tennessee's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Tennessee. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Nashville
684,410 residents · Davidson County Median household income is $41,759 — below the Tennessee median of $50,670.
26 storefront locations of 8 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans, Title Loans | 4653 Nolensville Pike, 37211 | (615) 834-6275 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6410 Charlotte Pike Ste 103, 37209 | (615) 510-3418 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1901 8th Ave S, 37203 | (615) 375-3680 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1815 Church St, 37203 | (615) 375-3643 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 930 Gallatin Ave, 37206 | (615) 603-3777 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 800 Jefferson St, 37208 | (615) 486-3722 | Mon–Fri 8:00 AM - 8:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2403 Nolensville Pike, 37211 | (615) 358-5745 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 404 Morrow Rd, 37209 | (615) 358-5544 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3041 Dickerson Pike Ste E, 37207 | (615) 823-3290 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2500 Murfreesboro Pike, 37217 | (615) 510-3250 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 396 Tusculum Rd, 37211 | (615) 761-0935 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2845 Lebanon Pike, 37214 | (615) 866-5175 | Mon–Fri 8:00 AM - 8:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 401 Harding Pl, 37211 | (615) 510-3770 | Mon–Fri 8:00 AM - 8:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3615 Nolensville Pike, 37211 | (615) 903-9255 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1133 Vultee Blvd, 37217 | (615) 375-3641 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 931-A Richards Rd, 37013 | (615) 861-2914 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 7120 Hwy 70 S, 37221 | (615) 486-3706 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3713 Clarksville Pike, 37218 | (615) 538-1028 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| First Finance Financial Services | 310 Church St, 37201 | (615) 742-3046 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| ICS Loans Installment Loans | Nashville, 37207 | (833) 454-5626 | Hours not listed |
| Mid-Town Finance Installment Loans | 450 Donelson Pike Ste A6, 37214 | (615) 391-9378 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Nashville Finance Company Installment Loans | 204 A 6th Ave N, 37219 | (615) 254-1841 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Security Finance Installment Loans | 203 2nd Ave N Ste 1, 37201 | (615) 782-7152 | Hours not listed |
| Speedy Cash Title Loans | 2401 Nolensville Pike, 37211 | (615) 748-3639 | Mon 8:00 AM - 8:00 PM · hours vary |
| Speedy Cash Title Loans | 5002 Harding Pl, 37211 | (615) 333-2488 | Mon 8:00 AM - 8:00 PM · hours vary |
Showing 25 of 26 locations — the rest are smaller branches of the same companies.
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Tennessee page before visiting. Spot an error? Report it.
The online route in Nashville
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Tennessee follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Tennessee regulator.
The rules behind the numbers
Deferred presentment transactions are short-term financial solutions and are not intended for long-term borrowing needs.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 459% APR. Every compliant lender in Nashville has to fit inside that schedule.
Statute: Tenn. Code Ann. § 45-17-101 et seq.
Regulator: Tennessee Department of Financial Institutions · www.tn.gov
Questions people ask in Nashville
Are payday loans legal in Nashville, TN?
Yes. Storefront payday lending is permitted across Tennessee, and Nashville runs under the same state rules: maximum loan $500, fees capped at 15% of face value of check ($17.65 per $100 advanced). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Nashville?
The same as anywhere in Tennessee: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Nashville?
26 storefronts are listed in Nashville in our 2022-02-20 directory snapshot (8 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Nashville?
Complaints about a lender go to the Tennessee Department of Financial Institutions (www.tn.gov) — keep the loan agreement and every fee disclosure you were given.