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

State of Tennessee with blue location marker on top

Tennessee address

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Active bank account

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Personal 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. We believe in same-day loans.*

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Flex Loan

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

How to get our 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 just 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

Best online loans, according to you

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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.

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
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

We provide Tennessee quick cash to help with unexpected expenses. These are just some cities in Tennessee we service!

red location pin markerOnline loans Memphis TN

red location pin markerOnline loans Knoxville TN

red location pin markerOnline loans Nashville TN

red location pin markerOnline loans Chattanooga TN

red location pin markerOnline loans Bristol TN

red location pin markerOnline loans Humboldt TN

red location pin markerOnline loans Martin TN

red location pin markerOnline loans Shelbyville TN

red location pin markerOnline loans Bristol TN

red location pin markerOnline loans Humboldt TN

red location pin markerOnline loans Martin TN

red location pin markerOnline loans Shelbyville TN

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

The benefits of an online loan direct lender

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 for your loans online. Besides the fact that this is convenient, borrowers choosing an online flex loan direct lender like Net Pay Advance benefit from having security and privacy. Not to mention, the process for borrowing Tennessee quick cash is simple with a direct lender like us!

We protect your privacy

Take time to research your choices when you’re looking for a flex loan in Tennessee. Obtaining a loan from a Tennessee direct lender ensures that we follow state-required laws. As a direct lender, we are with you every step of the way. Indirect lenders, on the other hand, often don’t offer high security. They may sell your information to third parties. Often, this means you’ll receive spam and offers you’re not approved to borrow.

Working with a licensed direct lender like us for your flex loan needs can help maintain your security. We never sell your information to a third party. As a licensed lender, we also adhere to strict security standards. Learn more about how we protect your information.

Same day loans*—easy process

Not only do we prioritize your security, we also make the flex loan process quick and simple. We give you an instant decision on your application. If approved, you can draw fast Tennessee quick cash with options for same-day loans.* On top of it all, we make repayment convenient with our online loans 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

The best part is that you work with us the entire time. There’s no middleman, like with an indirect lender. You can call us with any questions about your flex loan. Did we mention we have no hard credit check? You can apply with no credit score required, and applying will not affect your credit score.

Best practices for online loans

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. Here are a few best practices to follow.

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 online loans for emergency expenses only.

• Repay your online flex loan as soon as possible.

Repaying your online flex loan

We believe that your cash advance loan should be as hassle-free as possible. At Net Pay Advance, we are here to help our flex loan customers in Tennessee. If you realize you will not have funds in time, you can also extend your due date by up to 5 days for free!

If 5 days is not enough time, we can also offer a free Promise-to-Pay (PTP) plan that allows you to break up the payment into smaller, more manageable amounts. You can set it up in your account online or give us a call. Learn more about our online loans payment options.

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Discover more about why customers think we provide the best online loans

Apply Now

Join the 8,000+ customers that love Net Pay Advance.

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