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New customers: 50% off your first transactionNo Hard Credit Check Loans in Memphis, TN
Check your options without a hard credit check. Start with a short secure form, get a quick decision on your request, and choose the next step that fits your budget.
- No hard credit check
- Short secure form
- Family owned since 2001
Locally and family owned in Memphis since November 2001. Checking your options won't affect your credit score.
For a bill due before payday, start online with no hard credit check. Complete the short secure form for a quick decision on your request.
Cash Friendly has served Memphis since November 2001. Stores offer local payday services; the online network request may connect you with other loan types. Online terms depend on lender and state.
See the most a loan can cost under Tennessee law
Move the slider. These are the highest charges the law allows — we give you the exact cost in writing before you sign.
Check your options in three steps
- 1Start the secure request
Submit accurate income and contact information through the short secure online form. List the gap you need to cover.
- 2Read the response
Check the lender, costs, and due date. Ask about later credit inquiries and disclose existing payday checks.
- 3Choose a manageable next step
Read the disclosure before deciding. Plan a Memphis store visit separately if you prefer a local payday transaction.
What needs attention before payday?
Rent is due before your check
Check that the next paycheck covers repayment and essentials. Start online for the rent gap.
Start online ›A repair keeps you off the road
Use the repair estimate and include transportation costs. Begin the short online request for the remaining amount.
Start online ›A utility notice needs a response
Confirm the cutoff deadline with MLGW. Start online for a repayable gap after checking payment arrangements.
Start online ›An unexpected medical bill arrives
Ask what is due immediately. Begin online for an uncovered medical expense that fits your budget.
Start online ›Your phone bill overlaps other expenses
Include recurring bills when planning repayment. Start online with the temporary phone-bill shortfall.
Start online ›Have these ready for a Memphis store visit
- Valid photo identification for your store transaction.
- A pay stub showing your income.
- An active checking account and a check.
- Your phone number and email for follow-up questions.
- Your next pay date and a realistic repayment budget.
Know the Tennessee payday limits
Which approach fits your credit concern?
| Option | When it fits | What to watch |
|---|---|---|
| Payday request with no hard credit check | A short-term gap with a clear source of repayment. | Payday credit is expensive and repayment arrives quickly. |
| Online installment option | An expense that may need scheduled payments over time. | APR, total cost, and availability depend on the lender and your state. |
| Payment arrangement | A biller can move a due date or split a balance. | Ask about fees and get the new dates in writing. |
| Bank or credit union loan | You can compare a potentially cheaper borrowing option. | Eligibility, credit review, and application timing vary. |
Prefer to talk in person?
Family owned since 2001 — two Memphis stores, Tue–Fri 9:30–6, Sat 9:30–4.
Cash Friendly – Getwell Rd
1313 Getwell Rd
Memphis, TN 38111
Cash Friendly – S. Third St
4250 S. Third St
Memphis, TN 38109
A few details make the next step easier
Soft inquiries and later lender checks
The CFPB distinguishes soft and hard inquiries: soft inquiries do not affect scores; hard inquiries can. Our benefit concerns checking options. Ask the identified lender about any later inquiry before proceeding.
Two Memphis locations
Visit 1313 Getwell Road or 4250 South Third Street. Both stores open Tuesday through Friday, 9:30 AM to 6:00 PM, and Saturday, 9:30 AM to 4:00 PM. They are closed Sunday and Monday. Use the locations page to plan your visit.
A local contact for a disputed transaction
Save your agreement, fee disclosure, and receipt. TDFI Consumer Resources accepts written complaints concerning institutions it regulates and can forward others to the appropriate regulator.
Check a utility arrangement before borrowing
For a Memphis utility shortfall, MLGW’s assistance page lists payment arrangements and the Net Due Date Program for eligible fixed-income customers. Ask whether either fits your account; neither establishes loan eligibility or automatic protection from cutoff.
Frequently asked questions
Can I check Memphis payday options without a hard credit check?
Yes. You can use the short secure online form with no hard credit check to see your options. Checking won't affect your credit score. A lender still reviews the request and sets any offer requirements.
Does checking my options mean I will be approved?
No. A request may or may not result in an offer. You can still take the first step online, review the response, and decide whether any available agreement fits your repayment budget.
How quickly will I hear about my request?
The online process offers a quick decision on your request. Any additional review and funding timing depend on the lender. Plan around a confirmed agreement rather than assuming money will arrive by a particular deadline.
How much cash can a Tennessee payday transaction provide?
The combined check face amount is limited to $500. At the maximum 15% fee, a $500 check provides $425 cash. Online options depend on the lender and state.
Can I visit a Memphis store instead?
Yes. Cash Friendly has two Memphis stores, on Getwell Road and South Third Street. Bring photo ID, a pay stub, an active checking account, and a check for a store payday transaction.
What if I need more time to repay?
Look at the repayment date before accepting payday credit. An online installment option may offer payments over time, subject to lender terms. A bill payment arrangement or bank or credit union loan may cost less.
Where can I ask about Tennessee payday rules?
The Tennessee Department of Financial Institutions provides consumer resources at tn.gov/tdfi.html and (800) 778-4215. Ask the store to explain fees, check amount, and repayment date before signing.
Does no hard credit check mean no income verification?
No. Lenders may verify income, identity, bank details, and existing obligations. A credit-inquiry benefit does not remove eligibility checks.
Can I have payday transactions with several lenders?
Tennessee limits outstanding checks to two with one lender and three overall, with $500 combined face value. Disclose existing checks; visiting another lender does not reset the limits.
Who stands behind this information
Reviewed by the Cash Friendly Check Advance team — a locally and family owned Memphis lender serving customers since November 2001, member of the TN Title Pledge Association and the TN Check Advance Association.
Last updated: November 2, 2026
Tennessee payday and title pledge lenders are licensed and examined by the Tennessee Department of Financial Institutions (TDFI). Questions or complaints: TDFI Consumer Resources, (800) 778-4215. Our two stores: 1313 Getwell Rd and 4250 S. Third St, Memphis, TN.
Other options in Memphis
Take the first step without a hard credit check
Start the short secure request in a few minutes. Check your options, read the terms, and choose an offer only when repayment works for your budget.
The calculator estimates Tennessee payday costs and does not constitute an offer. Online products, amounts, and terms depend on the lender and your state. Payday credit is expensive short-term borrowing. Approval is not guaranteed; amounts, rates and terms depend on the lender, your information and your state's law. Payday and other short-term loans are expensive and meant for short-term needs, not a long-term financial solution. In Tennessee, licensed lenders are regulated by the Tennessee Department of Financial Institutions (TDFI); questions or complaints: (800) 778-4215.