Chattanooga, TN · South · Allowed
Payday loans in Chattanooga
Chattanooga is governed by Tennessee's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Tennessee. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Chattanooga
177,571 residents · Hamilton County Median household income is $40,177 — below the Tennessee median of $50,670.
19 storefront locations of 11 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Title Loans, Check Cashing/Pay-day Loans | 5250 Brainerd Road Ste 102, 37411 | (423) 855-1903 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3401 Rossville Blvd, 37407 | (423) 388-4468 | Mon–Fri 8:00 AM - 8:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3536 Brainerd Rd Ste 108, 37411 | (423) 353-9290 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3516 Dayton Blvd, 37415 | (423) 254-5117 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4727 Highway 58, 37416 | (423) 426-5123 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3975 Hixson Pike, 37415 | (423) 389-9087 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun 10:00 AM - 4:00 PM |
| Chattanooga Loan Company Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 8126 E Brainerd Rd Ste 116, 37421 | (423) 362-8505 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Courtesy Finance Installment Loans, Auto Loan Providers | 6429 Lee Hwy Ste 103, 37421 | (423) 954-2774 | Mon 9:30 AM - 6:00 PM · hours vary |
| Courtesy Finance Installment Loans, Auto Loan Providers | 3536 Cummings Hwy Ste 156, 37419 | (423) 821-9890 | Mon 9:30 AM - 6:00 PM · hours vary |
| Employees Finance Installment Loans | 5841 Brainerd Rd Ste B, 37411 | (423) 553-1096 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Quick Loans Installment Loans | 6910 Shallowford Rd Ste 112, 37421 | (423) 296-2773 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Quick Loans Installment Loans | 4767 TN-58 Ste 179, 37416 | (423) 553-9990 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Quick Loans Installment Loans | 4321 Ringgold Rd Ste 101, 37412 | (423) 624-3337 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Quick Loans Installment Loans | 8016 E Brainerd Rd Ste 104, 37421 | (423) 892-3636 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Quick Loans of TN Installment Loans | 2009 Dayton Blvd Ste 103, 37415 | (423) 870-9557 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Security Finance Installment Loans | 5515 Ringgold Rd, 37412 | (423) 892-3311 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Service Finance Installment Loans | 5841 Brainerd Rd Ste B, 37411 | (423) 893-4823 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Speedy Cash Check Cashing/Pay-day Loans | 5900 Brainerd Rd, 37411 | (423) 892-3294 | Mon 10:00 AM - 6:00 PM · hours vary |
| Western Shamrock Installment Loans, Accountants | 3903 Ringgold Rd Ste 109, 37412 | (423) 622-9407 | Mon 9:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Tennessee page before visiting. Spot an error? Report it.
The online route in Chattanooga
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Tennessee follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Tennessee regulator.
The rules behind the numbers
Deferred presentment transactions are short-term financial solutions and are not intended for long-term borrowing needs.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 459% APR. Every compliant lender in Chattanooga has to fit inside that schedule.
Statute: Tenn. Code Ann. § 45-17-101 et seq.
Regulator: Tennessee Department of Financial Institutions · www.tn.gov
Questions people ask in Chattanooga
Are payday loans legal in Chattanooga, TN?
Yes. Storefront payday lending is permitted across Tennessee, and Chattanooga runs under the same state rules: maximum loan $500, fees capped at 15% of face value of check ($17.65 per $100 advanced). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Chattanooga?
The same as anywhere in Tennessee: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Chattanooga?
19 storefronts are listed in Chattanooga in our 2022-02-20 directory snapshot (11 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Chattanooga?
Complaints about a lender go to the Tennessee Department of Financial Institutions (www.tn.gov) — keep the loan agreement and every fee disclosure you were given.