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New customers: 50% off your first transactionAdvance Payday Loans: Borrow Money Until Payday
Bridge a specific paycheck gap with a clear repayment plan. Start a short secure request online, get a quick decision on your request, and review the amount and cost before signing.
- No hard credit check
- Short secure form
- Family owned since 2001
Cash Friendly Check Advance: family owned in Memphis since 2001.
Advance payday loans address a short paycheck gap. Subtract available cash from the bill and check what your next paycheck can cover.
Borrow money until payday by starting online in a few minutes. Online terms depend on lender and state. For a Tennessee payday transaction, confirm cash received, check face amount, fee, and repayment date.
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.
Plan the gap, request, and repayment
- 1Start your online request
Complete the short secure form for the gap before payday. Online eligibility depends on the lender.
- 2Match the gap to your paycheck
Match cash received, fee, and repayment to your next paycheck. Include bills already due from that income.
- 3Read the dates and dollar amounts
Keep the written terms and receipt. Proceed only if repayment fits without another advance.
Which paycheck gap are you trying to close?
A utility bill falls before payday
Identify the balance due and your next paycheck date. Begin online if repayment leaves room for the next utility bill.
Start online ›A small repair cannot wait
Use the repair estimate without adding unrelated spending. Start online with a repayment amount your next paycheck supports.
Start online ›Rent needs a final top-up
Focus on the remaining rent gap. Start online after checking that repayment will leave enough for the following month.
Start online ›A prescription changes this week's budget
Allow for repeat prescription costs in your budget. Begin the secure request for the immediate uncovered amount.
Start online ›A phone payment is due first
Budget for the overdue phone balance and next bill. Start online if both fit alongside repayment.
Start online ›Have your payday plan ready
- Valid photo ID and personal contact details.
- Recent proof of income and your expected next pay date.
- An active checking account if the lender requests one.
- A list of bills due from the same paycheck.
- For a Cash Friendly store transaction: photo ID, pay stub, checking account, and a check.
Tennessee payday costs in plain words
Compare ways to get through to payday
| Option | When it fits | What to watch |
|---|---|---|
| Payday advance request | Check options for a specific paycheck gap through a short online request. | Short-term credit can be expensive; repayment needs to fit your next income. |
| Payment extension from the biller | May move a bill closer to the date you are paid. | Confirm the revised deadline and any added charges. |
| An advance from your employer | Worth asking about if your employer offers it. | Check the deduction from your next paycheck and whether fees apply. |
| A credit union small-dollar loan | May provide a different repayment structure or lower cost. | Eligibility and available terms depend on the institution. |
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
Details that make the numbers clearer
Read cash, fee, and check figures together
At Tennessee’s maximum fee, a $500 check means $425 cash plus $75 fee. The 15% face-value cap is not an annual rate. Keep the disclosure and receipt.
Repay early or discuss a shortfall
Tennessee law allows you to redeem the check before its agreed deposit date by paying its face amount. Ask the lender how to arrange payment. Do not assume early payment reduces the agreed fee.
Ask about a first store transaction
New customers get 50% off their first store transaction. Ask how the offer applies. See our two Memphis stores; an online offer does not automatically include this discount.
A Memphis option for a bill due before payday
MLGW’s Net Due Date Program may delay utility due dates for eligible retired or fixed-income customers receiving one monthly check. Ask whether a changed date could reduce your borrowing need.
Frequently asked questions
How do advance payday loans work?
They involve short-term borrowing with an agreed due date. Start online and read any offer. Tennessee store payday checks include the fee; the term cannot exceed 31 days.
Can I borrow money until payday without a hard credit check?
Check options online with no hard credit check; checking will not affect your credit score. The lender determines eligibility and product requirements. Match repayment to your expected income.
Can I request a $200 cash advance?
You can request what you need; online amounts depend on lender and state. In a Tennessee payday transaction, $200 cash differs from a $200 check because the check includes the fee.
Can I get a $500 cash advance in Tennessee?
Tennessee limits total check face amount with one lender to $500, not $500 cash. At the maximum fee, a $500 check provides $425 cash. Online amounts depend on lender and state.
How soon will I know about my request?
The form takes a few minutes and offers a quick decision on your request. Further review and funding timing depend on the lender. No arrival time for funds is promised.
Will my payday advance request be approved?
Approval is not automatic. The lender reviews eligibility. Submit accurate details, read offered terms, and choose a repayment you can cover without relying on another advance.
What if I cannot repay by the agreed date?
Contact the lender promptly. Tennessee prohibits rollover or renewal using proceeds of another transaction from the same lender. For state consumer resources, contact TDFI at (800) 778-4215.
How many payday checks can be outstanding in Tennessee?
Up to two with one lender and three overall, within $500 combined face value. Disclose existing checks.
Can an unpaid payday check lead to additional charges?
Tennessee permits civil collection and court costs for insufficient funds, but bars lender handling charges and attorney fees relating to the check. Ask TDFI about disputes.
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
Check options for the gap before payday
Apply online in a few minutes with no hard credit check to see your options. Match any offer to your next paycheck before deciding.
Payday credit is expensive. Consider a biller extension or lower-cost option. Tennessee rules describe Tennessee transactions; online offers depend on lender and state. 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.