Plan a Memphis visit around documents and the full payment

Two 745-CASH contacts in Memphis

Phone and hours are tied to each operator page. This directory does not claim price differences or availability between these two offices.

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 Winchester or Summer using the task

Monday–Thursday is published as 9 a.m.–5:30 p.m.; Sunday is closed. If collecting a document or making a payment, ask whether the specific account can be handled at the chosen office. The existence of another branch is not evidence that account records transfer automatically.

Build the document set without confusing loan types

The branch pages list income and address evidence, bank statement or transaction history, proof of Social Security number and picture identification; the Winchester page also distinguishes additional title-loan documents. [TN22] [TN23]

Create a private checklist and resolve one missing item before travelling. Ask whether a current statement must show your name and account details and whether an electronic version is accepted. Do not bring a vehicle title as if it were mandatory for every unsecured request.

Use the Tennessee category before its percentage

TDFI treats deferred presentment and flex credit as different licensed activities. [TN01] [TN05] Its dated 2012 consumer notice describes a deferred-presentment fee ceiling of 15% of the check face, a maximum 31-day agreement and aggregate check-face limits of $500. That notice is background, not a current quote or a complete 2026 code review. [TN02]

Notice the denominator: 15% of a check face is not 15% of cash received. For any actual agreement, use its product name and current written disclosure.

Keep a fee payment separate from repayment progress

Suppose an illustrative contract requires $400, of which $340 was received and $60 is the charge. Having $60 set aside does not mean $60 of the original $340 has been repaid. You need to know how the creditor applies a payment.

For a full-payoff plan, reserve the entire amount due plus essentials until the next income. For a proposed new schedule, ask for the resulting balance and every new charge. Never mark an account settled merely because a payment receipt exists.

Compare Memphis with a nearby-state result accurately

Search results around Memphis may include Southaven or Horn Lake. These are not extra Memphis locations in this directory. Do not combine one state’s fee table with another state’s storefront address or use crossing the state line as an eligibility assumption.

Call the provider about residence, product and channel requirements. If an online and an in-store offer differ, compare the same net cash and repayment horizon. A different domain or nearby branch does not make an otherwise incomplete offer comparable.

A missed deadline needs a payment conversation

When a visit cannot be completed before the bill date, ask the bill issuer about the amount and date needed for an arrangement. The CFPB lists such discussions among possible alternatives. [HM03]

If the problem concerns an existing loan, retain its creditor name, balance, scheduled debit and payment receipts. Ask for written confirmation of any changed arrangement. The support route below is distinct from applying for new money.

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.