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New customers: 50% off your first transactionTitle & Payday Loans on S. Third St, Memphis
Local title loans Memphis TN, plus payday loans and check cashing in South Memphis. New customers get 50% off their first transaction.
- Family owned since 2001
- TN Title Pledge Association
- 50% off first transaction
No hard credit check to see your options. Approval is not guaranteed.
Cash Friendly Check Advance has served Memphis since November 2001. Our South Memphis store on S. Third St is a locally and family owned office where you can get title loans Memphis TN residents use for a bigger amount, plus payday loans and check cashing, all in one visit. Our slogan says it best: “Not The Biggest, Just The Best.”
New customers receive 50% off their first transaction. You can start today by applying online with our secure online form. The short secure form takes a few minutes, and then you pick up your cash right here in the store.
See the most a loan can cost under Tennessee law
Pick a loan type and move the slider. These are the highest charges the law allows — we give you the exact cost in writing before you sign.
Apply online, get your cash in 3 steps
- 1Apply online
Complete the short secure form, which takes a few minutes, or walk in and apply in store.
- 2Quick review and call back
Our team reviews your request and calls you back with the next steps.
- 3Pick up cash at this store
Visit our South Memphis store on S. Third St to finish up and get your cash.
Common Reasons South Memphis Customers Stop In
Car title loan for a bigger amount
Borrow more against your vehicle title, up to $2,500 with one lender under Tennessee law.
Start online ›Keep driving your car
With a title loan you keep your car and drive it as usual while the lender holds the title.
Start online ›Payday loan for a short gap
A payday loan can cover a short gap until your next paycheck, with fees capped at 15% of the check.
Start online ›Check cashing in South Memphis
Cash a check payable to you or to your business with fast, affordable check cashing.
Start online ›New customers: 50% off first
New customers receive 50% off their first transaction. Apply online to get started.
Start online ›What to bring
- A valid government photo ID
- Your most recent pay stub or other proof of income
- An active checking account and a personal check
- Proof of address, such as a recent utility bill
For a car title loan, also bring:
- Your vehicle for a quick look
- A clear car title in your name (no other liens)
- Proof of insurance
Costs and limits by law
Title loan vs other options in South Memphis
| Option | When it fits | What to watch |
|---|---|---|
| Car title loan (this store) | You need a larger amount and want to keep driving your car. | The lender holds your title, and renewals add cost, so plan your repayment first. |
| Payday loan | You need a small amount to cover a short gap until your next paycheck. | Fees are high for a short term, and the balance is due within 31 days. |
| Credit union small loan | You want a lower-cost loan and have time to apply. | Approval is not guaranteed, and some credit unions have membership requirements. |
| Payment plan with your biller | You owe a utility, phone, or other bill and need more time. | Ask the company first, since late fees may still apply. |
Find us at 4250 S. Third St
Cash Friendly – S. Third St
4250 S. Third St
Memphis, TN 38109
| Mon | Closed |
|---|---|
| Tue–Fri | 9:30 AM – 6:00 PM |
| Sat | 9:30 AM – 4:00 PM |
| Sun | Closed |
- Whitehaven
- Westwood
- Southgate
- Riverside
- Southside
- Graceland area
More about this store
Why South Memphis Chooses Cash Friendly
We are a family owned business that has helped Memphis customers since November 2001. We are members of the TN Title Pledge Association and the TN Check Advance Association.
- Family owned and operated since 2001
- Member of the TN Title Pledge Association and the TN Check Advance Association
- Title loans, payday loans, and fast, affordable check cashing
- Budget home phone service
We would rather explain your options clearly and treat you fairly than make you guess. That is what “Not The Biggest, Just The Best” means to us.
Serving Whitehaven, Westwood, Southgate, Riverside, Southside and the Graceland Area
Our South Memphis store is an easy stop for customers in Whitehaven, Westwood, Southgate, Riverside, and Southside, and for anyone living near the Graceland area. If you live in one of these neighborhoods, you can handle your loan or check cashing without a long drive across town.
Plan your visit around our hours. We are open Tuesday through Friday, and Saturday hours run until 4:00 PM. Call ahead if you have questions about what to bring, and our team will walk you through the next steps.
What It Costs and Cheaper Options to Check First
Title loans and payday loans are expensive short-term credit, so borrow only what you can pay back on time. Tennessee law sets clear limits. For a title loan, one lender may hold up to $2,500 outstanding on one vehicle title. Interest can be up to 2% per month, plus a customary fee of up to one-fifth (20%) of the original principal. A title loan agreement lasts 30 days and may be renewed. Starting with the third renewal, at least 5% of the principal must be paid down. You keep driving your car, and the lender holds the title.
For a payday loan, the fee may not be more than 15% of the face amount of the check. One lender may hold up to $500 face amount in checks at one time, which means up to $425 in cash for a $500 check. The term may not be longer than 31 days, and the law does not allow rollovers or renewals paid with the proceeds of another transaction from the same lender.
Before you borrow, look at cheaper options:
- A small loan from a credit union, which often costs less than a payday or title loan
- A payment plan with the company or biller you owe, which may give you more time
- Local assistance programs for bills, which may cover part of a utility or rent gap
You can read the state rules at the Tennessee Department of Financial Institutions.
Frequently asked questions
Is there a credit check to apply?
There is no hard credit check. Checking your options with us won't affect your credit score.
Can I apply for a title loan online?
Yes. Go to online and complete the short secure form, which takes a few minutes. Then visit our South Memphis store to get your cash.
How much can I borrow in Tennessee?
For a title loan, up to $2,500 outstanding on one vehicle title with one lender. For a payday loan, the check face amount can be up to $500 with one lender, which means up to $425 in cash.
Is approval guaranteed?
No. Approval is not guaranteed. We review each request and explain what we can offer.
What should I bring to the store?
Bring a valid photo ID and the vehicle title if you are applying for a title loan. Ask us when you apply if you need anything else.
What are your hours?
We are open Tuesday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:30 AM to 4:00 PM. We are closed Sunday and Monday.
Do I keep my car with a title loan?
Yes. You keep driving your car while you repay the loan. The lender holds the title during the loan.
Closer to Getwell Rd?
Cash Friendly – Getwell Rd
1313 Getwell Rd
Memphis, TN 38111
Loan options you can start online
Apply Online Today, Then Pick Up Your Cash in South Memphis
Start your request online with our secure online form in a few minutes. Our team reviews it and calls you back with the next steps. Then visit our South Memphis store to finish up and get your cash. Approval is not guaranteed.
Payday and title loans are expensive short-term credit, not a long-term financial solution. Tennessee law limits payday fees to 15%% of the check's face amount (up to $500 in checks, up to 31 days, no renewals) and title pledge loans to $2,500 per title with interest up to 2%% a month plus a customary fee of up to one-fifth of the amount for each 30-day period. Approval is not guaranteed; amounts and costs depend on your information and Tennessee law. Licensed lenders are regulated by the Tennessee Department of Financial Institutions (TDFI); questions or complaints: TDFI Consumer Resources, (800) 778-4215.