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Tennessee Flex Loans Online

Same-day loans up to $3,000*

No hard credit check.

This blue teal and white Trustpilot badge shows that Net Pay Advance has 8,000+ 5-star reviews on Trustpilot This badge shows that Net Pay Advance is a 'state licensed direct lender'. In the center is the image of a bald eagle and 4 stars. This green blue and white circular badge shows that Net Pay Advance is 'Confidential and secure'. There's a lock icon in the middle and three white stars at the bottom. This upside down shield-shaped badge shows Net Pay Advance's three values of being a 'simple secure trusted' online payday loan provider. White text is on a blue and green background. At the bottom of the badge, there is a blue shield with a green checkmark.
What you need to apply for a flex loan
Eighteen plus icon

18+ years old

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Tennessee address

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Active bank account

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Flex loan options for Tennessee residents

The application process takes only a few minutes. You’ll have an instant decision the same day. Deposits are fast, too. A smart alternative to payday loans in Tennessee.

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What is a flex loan?

A flex loan is also known as a “line of credit.” Draw from up to $3,000 and make convenient payments on your balance.

How to Apply for a Flex Loan in Tennessee

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Computer mouse clicking on Apply Now button on a website indicating step one of the loan application process

Complete our simple and secure online application in minutes.

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Our team will review your
application and give you an
instant decision.

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Draw from approved funds and receive money
directly deposited to your account the
same day!* $50 draw minimum.

Step 1

Complete our simple and secure online application in minutes.

Step 2

Our team will review your application and give you an instant decision.

Step 3

Draw from approved funds and receive money directly deposited to your account the same day!* $50 draw minimum

Customer reviews: Why borrowers choose Net Pay Advance

We’re on a mission to provide the best flex loans possible. See for yourself what over 8,000 Net Pay Advance customers say about us!

“This is by far the best loan company I have loaned from. The customer service reps are always so helpful. I was in a bind today, which is my due date, and they immediately helped me figure out a solution.”

— LD

“Net pay has been extremely helpful! I will always go to them if I need a loan. Their customer service is outstanding and quick to help! I will always recommend them over any other loan company!”

— Gabby

“Fast response. Live human, understandable, knowledgeable & courteous agent. People who find themselves unexpectedly in a rough spot need companies like Net Pay Advance Inc. they are there to help…”

— L.A

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Rates and Terms

We are a state-licensed direct lender for flex loans to Tennessee residents. See our rates and terms for online loans.

Rates & Terms
Tennessee License
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State of Tennessee in green with text over the top that says "We've got your back, Tennessee". Below the image of the state is the Net Pay Advance logo with a location marker next to it

Cities in Tennessee we serve

Flex loans are always nearby.

red location pin markerMemphis flex loans

red location pin markerKnoxville flex loans

red location pin markerNashville flex loans

red location pin markerChattanooga flex loans

red location pin markerBristol flex loans

red location pin markerKnoxville flex loans

red location pin markerMartin flex loans

red location pin markerShelbyville flex loans

red location pin markerBristol flex loans

red location pin markerHumboldt flex loans

red location pin markerMartin flex loans

red location pin markerShelbyville flex loans

Get an instant decision. Same-day funding options.*

Why choose a direct lender for flex loans in Tennessee

Net Pay Advance is a direct lender for flex loans in Tennessee. That means we handle the entire process, so you don’t have to deal with any middlemen.

We protect your privacy

As a licensed lender, we adhere to strict security standards. We never sell your information. Indirect lenders often do.

Same day loans—easy process*

Instant decision on applications. Same-day* funding if approved with a valid debit card. Convenient repayment with online services.

A light blue computer and smart phone are looked at under a magnifying glass. The computer says "state licensed" and "certified direct lender". The phone showcases a call with Net Pay Advance. The magnifying glass is light blue. It all sits on top of a yellow background. In the bottom left of the picture, there is a green, blue and white badge that says Net Pay Advance is a "state licensed direct lender". It has an image of eagle in the center.

Check if a loan provider is a state-licensed direct lender in two ways.

  • See if they list the information on their website
  • Call them for more information about their licenses

Best practices for using a flex loan responsibly

Each year, almost 24 million Americans choose to take out personal loans. Same-day loans* can be a quick solution for unexpected expenses. Nonetheless, it is important to be aware of best practices for your online loan to avoid debt.

A blue and green clipboard with a checklist of best practices when working with an online payday loan provider. There's a yellow checkmark in a blue box next to each of the following suggestions. The suggestions are in blue text and say the following: "Only borrow what you need. Work with one lender at a a time. Only borrow for emergency expenses. Repay your loan ASAP!"

• Borrow only the amount you need to cover an emergency expense.

• Work with one flex loan lender at a time.

• Use flex loans for emergency expenses only.

• Repay your credit line as soon as possible.

Repaying your online flex loan

Your loan should be as hassle-free as possible. If you cannot repay on time:

• Extend due date by up to 5 days (free).

• Use a Promise-to-Pay (PTP) plan (free), breaking repayment into smaller amounts.

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Explore financial resources:

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Financial Literacy Glossary
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Security Center
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Personal Finance Blog
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Join the 8,000+ customers that love Net Pay Advance.

Online payday loans 101

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What are Direct Lenders?

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