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 Knoxville, Tennessee
Tennessee payday loan rules that apply in Knoxville
- 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.
Knoxville at a glance
| Metric | Knoxville | Tennessee | United States |
|---|---|---|---|
| Population | 414,609 | 7.0M | 332.3M |
| Median household income | $71,857 | $71,256 | $85,275 |
| Median rent | $1,216/mo | $1,149/mo | $1,432/mo |
| Income spent on rent | 31.6% | 29.9% | 31.6% |
| Homeownership | 62.0% | 67.6% | 65.4% |
| Poverty rate | 14.4% | 13.9% | 12.6% |
| Unemployment rate | 3.7% | 4.8% | 5.3% |
| Without health insurance | 8.9% | 10.1% | 8.6% |
| Veterans | 7.0% | 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 Knoxville
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 Knoxville
- 2.7%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Knoxville
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.7%
- Hours of work at the local median wage
- 4.0 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.
Knoxville in context
- Population rank in Tennessee
- 3rd
- of 27 Tennessee cities with 50,000+ residents
- Median household income rank
- 16th
- of 27 Tennessee cities with 50,000+ residents
- Households earning under $25,000
- 17.0%
- ▼ 0.1 pts vs TN
- Median home value
- $291,294
- ▲ 5% vs TN
- Home value to income
- 4.1×
- A $400 emergency expense
- 2.0 days
- of median household income
Payday loan stores in Knoxville, TN
Licensed storefront lenders in Knoxville 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 |
|---|---|---|---|
| 10511 Kingston Pike Knoxville, TN 37922 | (865) 685-5251 | — | 4.6 |
| 2823 N Broadway Knoxville, TN 37917 | (865) 856-1583 | — | 4.3 |
| 4531 Chapman Hwy Knoxville, TN 37920 | (865) 856-1606 | — | 4.6 |
| 4861 N Broadway Knoxville, TN 37918 | (865) 730-4085 | — | 4.8 |
| 5527 Clinton Hwy Knoxville, TN 37912 | (865) 338-5964 | — | 4.4 |
| 8024 Kingston Pike Knoxville, TN 37919 | (865) 494-1197 | — | 4.4 |
| 2522 E Magnolia Ave Knoxville, TN 37914 | (865) 673-6466 | — | 4.9 |
| 3009 N Broadway Knoxville, TN 37917 | (865) 281-8673 | — | 5.0 |
| 3917 Chapman Hwy Knoxville, TN 37920 | (865) 573-2489 | — | 4.9 |
| 5300 Clinton Hwy Knoxville, TN 37912 | (865) 219-9014 | — | 5.0 |
| 6533 Maynardville Pike Knoxville, TN 37918 | (865) 687-6933 | — | 4.9 |
| 8041 Kingston Pike Knoxville, TN 37919 | (865) 212-0045 | — | 4.9 |
| 106 Knox Rd Knoxville, TN 37918 | (865) 687-9028 | — | 4.9 |
| 2201 N Broadway Knoxville, TN 37917 | (865) 622-5934 | — | 4.9 |
| 4403 Chapman Hwy Knoxville, TN 37920 | (865) 577-8656 | — | 4.9 |
| 5632 Clinton Hwy Knoxville, TN 37912 | (865) 686-5737 | — | 4.9 |
| 6720 Kingston Pike Knoxville, TN 37919 | (865) 588-0660 | — | 4.9 |
| 2435 Callahan Dr Knoxville, TN 37912 | (865) 512-2233 | — | 4.8 |
| 4848 Harvest Mill Way Knoxville, TN 37918 | (865) 688-4144 | — | 4.8 |
| 8078 Kingston Pike #114 Knoxville, TN 37919 | (865) 357-1100 | — | 4.9 |
| 4222 Asheville Hwy. Knoxville, TN 37914 | (865) 633-4924 | Mon–Fri 9:00 AM – 5:30 PM Sat–Sun closed |
— |
| 4419 Western Ave., Ste. 104 + 105 Knoxville, TN 37921 | (865) 544-4139 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 2:00 PM Sun closed |
— |
| 4000 Chapman Hwy Knoxville, TN 37920 | (865) 577-3113 | — | 4.8 |
| 6724 Maynardville Pike Knoxville, TN 37918 | (865) 922-3829 | — | 4.6 |
| 5551 Clinton Hwy Knoxville, TN 37912 | (865) 299-6880 | — | 4.0 |
| 7337 Chapman Hwy Knoxville, TN 37920 | (865) 327-2585 | — | 5.0 |
| 510 Merchant Dr Knoxville, TN 37912 | (865) 688-0011 | — | 4.0 |
| 8331 E Walker Springs Ln #200 Knoxville, TN 37923 | (865) 947-5655 | — | 4.3 |
| 2039 N Broadway Knoxville, TN 37917 | (865) 637-0357 | — | 4.8 |
| Sunbelt Credit 4409 Chapman Hwy STE Y Knoxville, TN 37920 | (865) 577-9560 | — | — |
| 101 Sherlake Ln #107 Knoxville, TN 37922 | (615) 865-7100 | — | 5.0 |
Fast & secure payday loans in Knoxville, Tennessee
Unexpected expenses can happen anytime. If you need urgent cash in Knoxville, 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 Knoxville 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 Knoxville 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.
Knoxville payday loan FAQ
How much cash can I borrow in Knoxville?
Loan amounts in Knoxville 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 Knoxville 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 Knoxville 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 Knoxville?
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 Knoxville residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Knoxville or the surrounding Tennessee area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).