5250 Brainerd Rd, Ste 102
(423) 855-1903
Weekdays 10 a.m.–6 p.m.; Saturday 10 a.m.–2 p.m.; Sunday closed [TN26]
Independent provider directory
Separate an open counter from available money in Chattanooga
One source publishes a daytime schedule; another publishes 24-hour opening. Neither proves an overnight loan can be completed. Call the exact branch and ask which product, people and payout steps are available before relying on an urgent trip.
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.
3401 Rossville Blvd
(423) 388-4468
Operator page says 24 hours Monday–Sunday; telephone confirmation needed [TN27]
Brainerd Road and Rossville Boulevard
The two pages describe credit-line alternatives. Advance Financial expressly says it does not offer traditional payday or title loans at this branch.
Chattanooga
Advance America — Brainerd Road
5250 Brainerd Road, Ste 102, Chattanooga, TN 37411
Branch page lists Monday–Friday 10 a.m.–6 p.m., Saturday 10 a.m.–2 p.m., Sunday closed. Line of credit shown. Another aggregate page conflicts on Saturday; confirm with the branch. [TN26]
Chattanooga
Advance Financial — Rossville Boulevard
3401 Rossville Blvd, Chattanooga, TN 37407
The branch page publishes 24-hour opening Monday–Sunday. Confirm current staffing and service availability before an overnight trip. The operator explicitly describes alternatives, not traditional payday or title loans. [TN27]
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.
Choose the unresolved timing question
I need help outside daytime hours
The Rossville branch page publishes 24-hour opening. Treat that as a schedule claim to confirm, not proof of staffing, underwriting or bank participation at any particular hour. [TN27]
I plan a Saturday visit to Brainerd
The branch-specific page publishes 10 a.m.–2 p.m.; another aggregate page differed. Call the branch rather than treating a directory discrepancy as guaranteed opening or closure. [TN26]
I need a traditional payday agreement
The selected pages instead describe line-of-credit routes; Advance Financial explicitly distinguishes its product from traditional payday. Ask for the correct product elsewhere rather than relabeling this one. [TN27]
Compare published windows without inventing live availability
| Contact | Published phone | Schedule evidence |
|---|---|---|
| 5250 Brainerd Rd, Ste 102 | (423) 855-1903 | Weekdays 10 a.m.–6 p.m.; Saturday 10 a.m.–2 p.m.; Sunday closed [TN26] |
| 3401 Rossville Blvd | (423) 388-4468 | Operator page says 24 hours Monday–Sunday; telephone confirmation needed [TN27] |
Save the response time and the task you asked about. A representative confirming bill payment does not necessarily confirm a new credit request can be completed. The map opens a name-and-address search, not a verified business-profile record.
Use the credit-line disclosure, not payday shorthand
TDFI defines flex plans as open-end agreements. [TN05] Both selected contact routes require you to establish the actual repayment structure, rather than applying a single-payment payday fee table to a continuing balance.
| Before accepting | Record this answer |
|---|---|
| What is being offered? | Product and creditor’s legal name |
| What does the first payment accomplish? | Charges paid and principal remaining |
| How long will charges continue? | The balance and date basis in the agreement |
| How would I finish? | Dated payoff and account-closing instructions |
The table requests information; it does not supply unverified pricing or determine eligibility.
Put the bill deadline on its own timeline
For a bill due at 9 a.m., a contact answering at 7 a.m. leaves two hours for every remaining step, not two hours of guaranteed funding. Establish whether documents, review, acceptance and transfer can all be completed.
If the final step depends on an outside bank or processor, ask for the relevant condition. Keep the bill issuer informed when the timing remains uncertain. Do not substitute an advertisement reading “instant” for confirmation that your own funds are available.
Compare two dated payoff amounts consistently
Illustrative offers only: both provide $300 today. One written payoff is $332 after seven days; another is $350 after fourteen days. The $18 difference combines a price difference and a time difference, so it does not isolate which is cheaper for the same use.
Request both payoffs for the same realistic date. If your income arrives after the shorter date, that shorter example may not be usable at all. Record optional delivery fees separately and compare the amount received after them.
Keep overnight urgency out of the collateral decision
Advance Financial’s branch description explicitly excludes traditional payday and title loans; its credit line is described as unsecured. [TN27] Do not generalize that statement to another operator or to all products in the city.
A rushed change to a vehicle-backed product is a different decision, not merely a faster version of the same loan. Pause to read the collateral, payment and default provisions. A business’s extended schedule does not remove the need to understand its agreement.
End the call with a confirmed next action
Ask for the remaining document, the confirmed visit window or a written offer to review. If no path can meet the deadline, investigate a bill arrangement. The CFPB identifies negotiating with the creditor as one possible alternative. [HM03]
For an existing debt, ask its creditor about repayment rather than filling out a new request under pressure. Keep the original agreement and any written modification together. The tools linked below calculate scenarios; they do not send requests to the listed businesses.
Questions before continuing
Is Rossville Boulevard independently verified as open tonight?
No. Its operator page publishes 24-hour hours; current staffing and service availability must be confirmed directly.
Why does Brainerd carry a Saturday caution?
The exact branch page and an aggregate page differed. The branch schedule is shown with an explicit instruction to confirm it.
Does a credit-line contact count as a traditional payday offer?
No. The product is labeled as it appears in the reviewed branch materials, not renamed to match a search phrase.
Related decisions
Company profiles for this city
These profiles may cover different providers or products from the contacts above. Open the profile for its service type and any unresolved address or operating details.
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
