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Tennessee Rates & Terms

Last Updated: May 9th, 2025

All promotions subject to eligibility requirements (learn more)

Borrow $200 Cost $2
Check Loan Promotion

APR* For 14 Day Check Loan PROMOTION

26.07%

APR* For 28 Day Check Loan PROMOTION

13.04%

APR* For 14 Day Full Rate Check Loan

391.07%

APR* For 28 Day Full Rate Check Loan

195.54%

  1. Borrow $200, Cost $2.

  2. Applies to new customers only.

  3. Discount applies to Check Loans only.

  4. Loan must be paid in full with cash or certified funds on or before due date for discount to apply.

  5. Forfeiture of discount will result in the full rate listed above being applied, thus significantly increasing the total cost of your loan.

Borrow $425 Cost $4
Check Loan Promotion

APR* For 14 Day Check Loan PROMOTION

24.54%

APR* For 28 Day Check Loan PROMOTION

12.27%

APR* For 14 Day Full Rate Check Loan

460.08%

APR* For 28 Day Full Rate Check Loan

230.04%

  1. Borrow $425, Cost $4.

  2. Applies to new customers only.

  3. Discount applies to Check Loans only.

  4. Loan must be paid in full with cash or certified funds on or before due date for discount to apply.

  5. Forfeiture of discount will result in the full rate listed above being applied, thus significantly increasing the total cost of your loan.

20% Off Flex Loan Promotion

APR* For Flex Loan PROMOTION

228.40%

APR* For FULL RATE Flex Loan PROMOTION

279.50%

Paying Interest

You will be charged periodic interest from the date of each transaction

  1. Discount applies to Flex Loans of $2,000.00 or greater and will remain in effect for as long as the loan balance is greater than zero.

  2. Discount applies to Fees Only!

  3. When earned, discount will be applied in the form of an account credit to the first and subsequent on-time loan payments.

  4. Forfeiture of discount will result in the full rate listed above being applied, thus significantly increasing the total cost of your loan.

20% Off Title Loan Promotion

APR* For Title Loan PROMOTION

214.13%

APR* For Full Rate Title Loan

267.67%

  1. Discount applies to Title Loans of $2,000.00 or greater and will remain in effect for as long as the loan balance is greater than zero.

  2. Discount applies to Interest and Fees Only!

  3. Discounted rate forfeited if not paying in cash or certified funds by the due date. Past due payments will be charged the full rate listed above for that renewal, thus significantly increasing the total cost of your loan.

96% Off Loans

See: Borrow $999 Cost $9 (AKA 96% Off) below for details on applicable Flex or Title loan promotions.

$50 Gift Card

  1. Gift Card Offer applies to non-discounted Flex, Check, and Title Loans.

  2. To qualify, any new or returning customer who has not had an active loan in the past 60 days must receive in May 2025 two (2) check loans ($200 min each) or one (1) Flex or Title loan ($300 min).

  3. All Loans must be current and paid/paid-off with cash or certified funds on or before the due date.

  4. Qualifying customers will receive a total of one (1) $50 Walmart gift card for any qualifying loans.

  5. Gift card will be available for pickup to qualifying customers at your local 3D Financial office within 10 business days.

  6. Online customers will receive one (1) $50 check in lieu of a gift card.

  7. Walmart is a registered trademark of Walmart Inc. and is not affiliated with 3D Financial or this offer.

$300 for $3, $500 for $5, $800 for $8 Loans

See: Borrow $999 Cost $9 (AKA 96% Off) below for details on applicable Flex or Title loan promotions.

Borrow $999 Cost $9 (AKA 96% Off)
Title Loan Promotion

APR* For $999 Title Loan PROMOTION

10.96%

APR* For $100-$900 Title Loan PROMOTION

12.17%

APR* For Full Rate Title Loan

267.67%

  1. Applies to new customers only.

  2. Discount applies to Title Loans between $100 - $999. Discounted APR 12.17% up to $900 loan amount; Discounted APR 10.96% for $999 loan amount.

  3. Discount applies to Interest and Fees Only!

  4. Loan must be paid off in full with cash or certified funds on or before due date for discount to apply. Past due payment will be charged at the full rate listed above.

  5. Renewals, if applicable, will be charged at the full rate listed above.

Borrow $999 Cost $9 (AKA 96% Off)
Flex Loan Promotion

APR* For $999 Flex Loan PROMOTION

13.04%

APR* For $100-$900 Flex Loan PROMOTION

11.74%

APR* For Full Rate Flex Loan

279.50%

  1. Applies to new customers only.

  2. Discount applies to Flex Loans between $100 - $900. Discounted APR 13.04% up to $900 loan amount; Discounted APR 11.74% for $999 loan amount.

  3. Discount applies to Interest and Fees Only!

  4. Loan must be paid off in full with cash or certified funds on or before due date for discount to apply. Past due payment will be charged at the full rate listed above.

  5. Discount applies to in-store customers only. For online customers, when earned, discount will be paid in the form of a rebate.

  6. Future payments, if applicable, will be charged at the full rate listed above.

*Annual Percentage Rate (APR): The APR is the cost of your loan expressed as a yearly rate

Need Answers?

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