What starts the debt?
A specific written transaction
A draw under an open-end plan
Independent provider directory
Ask what the Tennessee contract is called
A Memphis or Nashville storefront may advertise several ways to borrow. Before comparing a payment or headline limit, identify the exact contract: deferred presentment, open-end flex credit, installments or a secured product.
Bottom Dollar Payday is not the lender. This page helps prepare and compare decisions; it does not submit an application or access accounts or application records.
When does it finish?
Stated maturity of that transaction
Payoff depends on balance, charges and payments
What price should I collect?
Advance, fee and amount due
Interest, other charges, minimum and payoff estimate
Selected Memphis and Nashville contacts
Published addresses and telephones; call for hours. Product availability and individual licenses have not been independently verified.
Memphis
745-CASH — Elvis Presley Boulevard
3400 Elvis Presley Blvd, Memphis, TN 38116
The company lists multiple loan types. Ask for the exact contract and current hours; a branch-specific schedule was not established from this source. [TN03]
Memphis
745-CASH — Summer Avenue
4664 Summer Ave, Memphis, TN 38122
Published Memphis contact. Confirm whether the service is a payday, installment or title product, and ask for the total repayment before visiting. [TN03]
Nashville
Tennessee Quick Cash — Bellevue
7661 Highway 70 South, Nashville, TN 37221
Published store contact. Do not assume this is a payday contract: ask about the current flex-credit or other product. Telephone confirmation is needed for hours. [TN04]
The map is requested from Google only after you press the button. It searches the displayed place or area; it does not verify a business profile or a license.
Which comparison do you need?
A short-term check-based transaction
Start with the deferred-presentment licensing route. Tennessee DFI describes a written arrangement that accepts and holds a check before deposit, and requires licensing for this activity. [TN01]
A reusable line of credit
A flex plan is a different open-end product. A small minimum payment may leave a balance outstanding, so compare the payoff plan rather than treating the minimum as a fixed installment schedule. [TN05]
A storefront close to me
The selection includes Memphis contacts and one Nashville contact. It does not supply in-city listings for Knoxville or Chattanooga, and no unpublished hours are invented.
The same storefront can lead to a different repayment model
Tennessee DFI maintains separate licensing resources for deferred presentment and flexible credit. Its flex description is an open-end plan that may not have a fixed maturity; it is not simply another label for a single payday transaction. Identify the agreement before using product-specific figures. [TN01] [TN05]
| Contract question | Deferred-presentment discussion | Flex-credit discussion |
|---|---|---|
| What starts the debt? | A specific written transaction | A draw under an open-end plan |
| When does it finish? | Stated maturity of that transaction | Payoff depends on balance, charges and payments |
| What price should I collect? | Advance, fee and amount due | Interest, other charges, minimum and payoff estimate |
| What could mislead me? | Confusing check face with cash received | Treating a minimum payment as the final cost |
For a title-backed or installment proposal, request its own disclosures. Do not use either column as a substitute for the contract. Bottom Dollar does not establish which product a store will approve for you.
Keep the age of a legal source visible
TDFI’s consumer notice dated August 21, 2012 describes a deferred-presentment fee ceiling of 15% of the check face, a 31-day maximum and aggregate check-face restrictions of $500. Those figures are presented here as a dated official reference, not a newly verified 2026 consolidated-code determination. Use the current TDFI statutory route to confirm the provisions before relying on them in a transaction. [TN02]
Arithmetic under that stated fee basis: a $500 check with a $75 fee leaves $425 cash. It is not $500 cash plus another $75. The example explains the distinction; it is not an offer, a claim of present approval, or a flex-loan price. Asking for the net proceeds and total repayment avoids this ambiguity even before a legal figure is confirmed.
Selected contacts cover Memphis and Nashville—not every city
745-CASH publishes Memphis addresses and phones for Elvis Presley Boulevard and Summer Avenue. Tennessee Quick Cash publishes a Bellevue-area contact in Nashville. A TQC storefront is not automatically a payday provider for the transaction you need; ask about the current flex or other agreement. [TN03] [TN04]
| Search city | Contacts in this selection | What still requires confirmation |
|---|---|---|
| Memphis | Two published 745-CASH contacts | Product, current hours and individual authorization |
| Nashville | One published Tennessee Quick Cash contact | Product category, hours and written price |
| Knoxville | No in-city contact established here | First-party local address and license record |
| Chattanooga | No in-city contact established here | First-party local address and license record |
The company contact lists did not establish a branch-specific weekly schedule for these cards. Call before travelling. Directions use the displayed address in a map search; they do not establish live opening status or a verified Google profile.
An online start does not remove the licensing question
DFI says deferred-presentment activity conducted through the internet, telephone or other means is subject to the relevant licensing requirement, and identifies a separate-license requirement for each operating location. Its flex page likewise provides a distinct licensing route. A working web form is therefore not the evidence to use for authorization. [TN01] [TN05]
Match the legal entity, activity, address and current record. Then confirm which identity, income and banking documents the provider accepts. Do not send sensitive documents to a number copied from a conflicting third-party listing merely because it claims a quicker response.
Compare a payoff path instead of the smallest first payment
Illustrative comparison, not lender terms: one option requires $460 once; another has six scheduled payments of $90, totaling $540. The second starts with less cash due but costs $80 more in scheduled payments, assuming equal net funds and no separate charges. A flex minimum cannot be inserted as if it were one of those six fixed payments unless a real payoff schedule supports that treatment.
Use the repayment worksheet for a known amortizing schedule and obtain a provider payoff statement for an open-end balance. Budget with confirmed income and expenses. Adding another draw changes the flex balance and invalidates a prior no-new-draw payoff estimate. [F01]
Use the correct provider for problems after signing
Keep the creditor’s legal name, agreement and payment authorization. Ask the actual creditor or servicer for a written explanation of disputed charges, a balance or a hardship proposal; a second store may not hold the account. Do not replace a due date in your calendar until an arrangement is confirmed. [F10]
A demand for money upfront to guarantee a loan deserves independent verification. A directory entry, state link or recognizable storefront name does not override that warning. Use the published official contact rather than the reply details in a suspicious message. [F09]
Questions before continuing
Are all the listed stores payday-only businesses?
No. The sources include businesses advertising multiple products. The legal agreement determines which rules and repayment model apply.
Are the 2012 notice figures certified as current 2026 law here?
No. They are clearly dated source information and an arithmetic explanation. Confirm the current statute through TDFI before relying on the numeric limits.
Does making the minimum flex payment guarantee a payoff date?
Not by itself. A payoff estimate needs the balance, ongoing charges, payment pattern and assumptions about additional draws.
Related decisions
Explore city guides
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
- Guide and source: Making a budget [F01]
- Guide and source: Advance-fee loan scams [F09]
- Guide and source: Unable to repay a payday loan [F10]
- Tennessee DFI: Deferred presentment licensing [TN01]
- Tennessee DFI consumer notice, August 21,2012 [TN02]
- 745-CASH: Memphis locations [TN03]
- Guide and source: Tennessee Quick Cash: Store locations [TN04]
- Tennessee DFI: Flexible Credit Lenders [TN05]
