Murfreesboro, TN · South · Allowed
Payday loans in Murfreesboro
Murfreesboro 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 Murfreesboro
131,947 residents · Rutherford County Median household income is $51,094 — above the Tennessee median of $50,670.
14 storefront locations of 9 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 |
|---|---|---|---|
| 1st Franklin Financial Installment Loans | 220 Veterans Pkwy Ste K, 37128 | (615) 904-1719 | Mon 8:30 AM - 5:30 PM · hours vary |
| Advance America Title Loans, Check Cashing/Pay-day Loans | 810 NW Broad St, 37129 | (615) 849-7400 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance Financial Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 802 NW Broad, 37129 | (615) 237-5044 | 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 | 1661 Memorial Blvd, 37129 | (615) 358-5881 | 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 | 2706 Old Fort Pkwy, 37128 | (615) 900-2423 | 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 | 2950 S Rutherford Blvd, 37130 | (615) 510-3971 | 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 | 2898 S Church St Ste D, 37127 | (615) 544-7121 | Mon 10:00 AM - 6:00 PM · hours vary |
| Hometown Finance Installment Loans | 906 Memorial Blvd, 37129 | (615) 890-2511 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Lendmark Financial Services Installment Loans | 537 N Thompson Ln, 37129 | (615) 653-4082 | Hours not listed |
| Quick Loans Installment Loans | 151 W Northfield Blvd, 37129 | (615) 904-2230 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Security Finance Installment Loans | 1676 Memorial Blvd Ste A, 37129 | (615) 896-4000 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Security Finance Check Cashing/Pay-day Loans | 147 W Northfield Blvd, 37129 | (615) 896-4000 | Mon 9:00 AM - 5:00 PM · hours vary |
| Speedy Cash Title Loans | 1698 Memorial Blvd, 37129 | (615) 907-2483 | Mon 10:00 AM - 6:00 PM · hours vary |
| Stones River Credit Installment Loans | 1802 Memorial Blvd Ste C, 37129 | (615) 896-5006 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
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 Murfreesboro
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 Murfreesboro 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 Murfreesboro
Are payday loans legal in Murfreesboro, TN?
Yes. Storefront payday lending is permitted across Tennessee, and Murfreesboro 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 Murfreesboro?
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 Murfreesboro?
14 storefronts are listed in Murfreesboro in our 2022-02-20 directory snapshot (9 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Murfreesboro?
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.