Answers to Your Questions
What types of loans do you offer?
We offer traditional installment loans from $200 to $20,000 for almost any purpose — auto repairs, home improvements, debt consolidation, medical bills, school expenses, and more.
Do I need perfect credit to get approved?
No. We work with all kinds of credit situations. Many of our customers come to us specifically after struggling with high-cost title or flex loans.
Can you pay off my existing title or flex loan?
Yes. We can often pay off your current higher-cost loan and move you into a lower-cost, fixed-payment installment loan, which may save you thousands over the life of the loan.
How fast can I get funded?
Most customers are approved the same day, and funds are typically available immediately after signing.
How do payments work?
Payments are simple and flexible. You can pay:
• In-branch with cash, check, or debit card
• By phone with a debit card (instant text/email receipt)
• By mail to your originating branch
• Via night drop (checks only)
• In-branch with cash, check, or debit card
• By phone with a debit card (instant text/email receipt)
• By mail to your originating branch
• Via night drop (checks only)
Do my payments help my credit score?
Yes. We report your good payment history on traditional installment loans to the credit bureau each month, helping you build and improve your credit over time.
What do I need to apply?
You’ll need:
• A driver's license or photo ID
• A recent phone, water, or electric bill
• Proof of income
• A completed loan application
• A driver's license or photo ID
• A recent phone, water, or electric bill
• Proof of income
• A completed loan application
Is there a fee to apply?
No. There are no application fees and no obligation to move forward.
Our Locations
Local Offices. Friendly People. Fast Approvals.
Stop by or make an appointment.
Johnson City
1200 North Roan Street, Johnson City, TN 37604
Phone: 423-232-8959
Phone: 423-232-8959
Kingsport / Colonial Heights
2705 Fort Henry Drive, Kingsport, TN 37664
Phone: 423-245-1210
Phone: 423-245-1210
Elizabethton
1970 West Elk Avenue, Elizabethton, TN 37643 (Across from VFW)
Phone: 423-542-3353
Phone: 423-542-3353
Greeneville
817 Andrew Johnson Highway, Greeneville, TN 37745
Phone: 423-638-1849
Phone: 423-638-1849