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Tennessee Flex Loans Online

Same-day loans up to $3,000*

No hard credit check.

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What you need to apply for a flex loan
Eighteen plus icon

18+ years old

State of Tennessee with blue location marker on top

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.

Is a Flex Loan Right for You?

Top benefits of flex loans:

  • Same-day* loans when you need it most
  • No collateral required; just apply online anytime
  • Flexible repayment terms that fit your budget
  • Bad credit loans available, get flex loans with no hard credit check

Keep in mind:

  • Higher APR than loans designed for excellent credit
  • Paying only the minimum can cost more over time
  • Accounts close after 12 months of inactivity

At Net Pay Advance, we believe in transparency. We provide the facts so you can decide what’s right for you.

How to Apply for a Flex Loan in Tennessee

Windy blue road with 3 steps on how to apply for a loan
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

Flex loan vs. payday loan vs. personal loan

Many customers use a Tennessee flex loan as an alternative to payday loans because they’re both fast and convenient. Flex loans have the added benefit of a flexible credit line for ongoing needs. Take a look at these common Tennessee loans:

Flex loan Payday loan Personal Loan
Availability

Available in California

Not available

Not available
Funding speed Same-day* or next day Same-day* or next day 1-3 days
Credit check No hard credit check No hard credit check Common
Limit Up to $3,000 Up to $500 $1,000 – $50,000
Repay Flexible, over time Lump sum on next payday Monthly plan
Flexibility Reusable credit line Fixed loan Fixed loan
Best for Ongoing needs Emergency gap Large planned expense
Availability

Available in California

Funding speed

Same-day* or next day

Credit check

No hard credit check

Limit

Up to $3,000

Repay

Flexible, over time

Flexibility

Reusable credit line

Best for

Ongoing needs

Availability

Not available

Funding speed

Same-day* or next day

Credit check

No hard credit check

Limit

Up to $500

Repay

Lump sum on next payday

Flexibility

Fixed loan

Best for

Emergency gap

Availability

Not available

Funding speed

1-3 days

Credit check

Common

Limit

$1,000 – $50,000

Repay

Monthly plan

Flexibility

Fixed loan

Best for

Large planned expense

Net Pay Advance only offers flex loans in the state of Tennessee.

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.

Apply Now
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