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Tennessee Flex Loans Online

Same day loans up to $3,000

No credit needed.

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
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18+ years old

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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 monthly payments on your balance, like a credit card.

How to get our flex loan in Tennessee

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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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Approved funds are directly
deposited to your account the
same day*!

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

Approved funds are directly deposited to your account the same day*!

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

Three positive payday loan Trustpilot reviews are showcased. They're white text on blue backgrounds. They're from JA, Josephine, and Tammy. They say they appreciated Net Pay Advance's easy repayment terms and friendly care. Each individual shares that Net pay advance helped them when they were in a bind, when they needed to receive their loan timely, and when no one else would give them a loan. Each are appreciative of the service they received from Net Pay Advance.
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Three positive payday loan Trustpilot reviews are showcased. They're white text on blue backgrounds. They're from JA, Josephine, and Tammy. They say they appreciated Net Pay Advance's easy repayment terms and friendly care. Each individual shares that Net pay advance helped them when they were in a bind, when they needed to receive their loan timely, and when no one else would give them a loan. Each are appreciative of the service they received from Net Pay Advance.
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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 payday loans online.

Rates & Terms
Tennessee License
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 residents with flex loans for unexpected expenses. These are just some cities in Tennessee we service!

red location pin markerOnline payday loans Memphis TN

red location pin markerOnline payday loans Knoxville TN

red location pin markerOnline payday loans Nashville TN

red location pin markerOnline payday loans Chattanooga TN

red location pin markerOnline payday loans Bristol TN

red location pin markerOnline payday loans Humboldt TN

red location pin markerOnline payday loans Martin TN

red location pin markerOnline payday loans Shelbyville TN

red location pin markerOnline payday loans Bristol TN

red location pin markerOnline payday loans Humboldt TN

red location pin markerOnline payday loans Martin TN

red location pin markerOnline payday loans Shelbyville TN

Get an instant decision. Same-day funding available.

The benefits of a payday loan direct lender

Net Pay Advance is a direct lender for flex loans in Tennessee. That means we handle the entire payday advance process, so you don’t have to deal with any middlemen for your loans online. Besides the fact that this is convenient, there are a number of benefits to choosing an online payday loan direct lender over an indirect lender.

Borrowers choosing an online payday loan direct lender like Net Pay Advance benefit from having more security and privacy. Not to mention, the process is quick and 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. An indirect lender may seem appealing because they advertise features and benefits. However, many times, they 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 will help ensure 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. That’s more peace of mind for your money.

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 get fast funding with same day loans available. On top of it all, we make repayment convenient with our online payday 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 needed, and it will not affect your credit score.

Best practices for online payday loans

Each year, almost 12 million Americans choose to take out a payday advance. Same day loans can be a quick solution for unexpected expenses. Nonetheless, it is important to be aware of best practices for your pay day 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 or payday advance lender at a time.

• Use online payday 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 payday loans repayment options.

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Join the Net Pay Advance rewards program

Working with just one lender for your flex loan needs is a best practice. At Net Pay Advance, we offer a rewards program to our customers to help you make the most of your time and money. It’s simple: earn points and redeem them for awesome discounts!

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

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

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