Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Payday loans in Johnson City, Tennessee
Tennessee payday loan rules that apply in Johnson City
- Max loan amount
- $500
- Min loan term
- N/A
- Max loan term
- 31 days
- Finance charge cap
- 15% of check amount
- Max absolute fee
- $75
- Typical APR
- ~460%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 2 active loans
- Right to rescind
- Next business day
- Governing law
- Tennessee Deferred Presentment Services Act
- Regulator
- TN Dept of Fin. Inst.
Johnson City at a glance
| Metric | Johnson City | Tennessee | United States |
|---|---|---|---|
| Population | 101,575 | 7.0M | 332.3M |
| Median household income | $55,298 | $71,256 | $85,275 |
| Median rent | $931/mo | $1,149/mo | $1,432/mo |
| Income spent on rent | 31.4% | 29.9% | 31.6% |
| Homeownership | 57.2% | 67.6% | 65.4% |
| Poverty rate | 19.0% | 13.9% | 12.6% |
| Unemployment rate | 6.1% | 4.8% | 5.3% |
| Without health insurance | 11.7% | 10.1% | 8.6% |
| Veterans | 8.6% | 7.5% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Johnson City
Move the sliders to see what a payday loan would cost under Tennessee rules and how it compares with local incomes.
Tennessee maximum: $500
Tennessee maximum: $15
Rollovers are not allowed in Tennessee.
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Share of a two-week household paycheck in Johnson City
- 3.5%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Johnson City
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 3.5%
- Hours of work at the local median wage
- 5.1 hours
- Rollovers
- Not allowed in Tennessee
Example based on the Tennessee maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Johnson City in context
- Population rank in Tennessee
- 9th
- of 27 Tennessee cities with 50,000+ residents
- Median household income rank
- 26th
- of 27 Tennessee cities with 50,000+ residents
- Households earning under $25,000
- 24.3%
- ▲ 7.2 pts vs TN
- Median home value
- $222,665
- ▼ 20% vs TN
- Home value to income
- 4.0×
- A $400 emergency expense
- 2.6 days
- of median household income
Payday loan stores in Johnson City, TN
Licensed storefront lenders in Johnson City with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the TN Dept of Fin. Inst. before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2920 N Roan St Johnson City, TN 37601 | (423) 438-1342 | — | 4.4 |
| 929 W Market St Johnson City, TN 37604 | (423) 438-1676 | — | 4.4 |
| 1918 S Roan St Johnson City, TN 37601 | (423) 928-3456 | — | 4.9 |
| 2617 N Roan St Johnson City, TN 37601 | (423) 929-2345 | — | 4.9 |
| 3120 E Oakland Ave Johnson City, TN 37601 | (423) 979-0509 | — | 4.9 |
| 509 N. State of Franklin Rd., Ste. 1 Johnson City, TN 37604 | (423) 926-7413 | Mon–Fri 9:00 AM – 5:30 PM Sat–Sun closed |
— |
| 3135 Peoples St Unit 302 Johnson City, TN 37604 | (423) 430-8860 | — | 4.3 |
| 1065 Hamilton Pl Johnson City, TN 37604 | (423) 328-7166 | — | 4.7 |
| 600 N State of Franklin Rd Johnson City, TN 37604 | (423) 928-3141 | — | 3.8 |
| 1012 W Market St Ste 3 Johnson City, TN 37604 | (423) 929-8113 | — | 4.9 |
| 2221 N Roan St Johnson City, TN 37601 | (423) 491-7100 | — | 2.9 |
Fast & secure payday loans in Johnson City, Tennessee
Unexpected expenses can happen anytime. If you need urgent cash in Johnson City, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Johnson City residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $500 Loan terms must comply with the Tennessee Deferred Presentment Services Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Johnson City residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Tennessee law (Tennessee Deferred Presentment Services Act). Always review the contract terms carefully before signing.
Johnson City payday loan FAQ
How much cash can I borrow in Johnson City?
Loan amounts in Johnson City are typically from $100 up to $500, in line with Tennessee lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Johnson City to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Johnson City with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Johnson City?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Johnson City residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Johnson City or the surrounding Tennessee area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).