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Tennessee Rates & Terms

Last Updated: June 28th, 2026

All promotions subject to eligibility requirements (learn more)

20% Off Check Loan Promotion

APR* For 14 Day Check Loan PROMOTION

368.13%

APR* For 28 Day Check Loan PROMOTION

184.06%

APR* For 14 Day Full Rate Check Loan

460.08%

APR* For 28 Day Full Rate Check Loan

230.04%

APR* For $200 14 Day Check Loan PROMOTION

312.86%

APR* For $200 28 Day Check Loan PROMOTION

156.43%

APR* For $200 14 Day Full Rate Check Loan

391.07%

APR* For $200 28 Day Full Rate Check Loan

195.54%

  1. Applies to new customers only.

  2. Discount applies to Check Loans only.

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

  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 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. Applies to new customers only.

  2. Discount applies to Flex Loans less than $800.00.

  3. Discount applies to 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, thus significantly increasing the total cost of your loan.

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

20% Off Title Loan Promotion

APR* For Title Loan PROMOTION

214.13%

APR* For Full Rate Title Loan

267.67%

  1. Applies to new customers only.

  2. Discount applies to Title Loans less than $800.00.

  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, thus significantly increasing the total cost of your loan.

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

50% Off Loans

  1. Can only be redeemed 90 days from the last promotional discount.

  2. Discount applies to Interest and Fees Only!

  3. 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 contracted rate of your loan, thus significantly increasing the total cost of your loan.

  4. Renewals, if applicable, will be charged at the full rate of your loan.

No Cost 30 Day Return Loans

  1. Applies to new customers only.

  2. New customers must not have any past-due loans with 3D Financial in order to qualify for this promotion.

  3. Discount applies to Flex or Title Loans of $1000 or greater.

  4. 'No Cost' applies to Interest and Fees Only!

  5. 30 Day Return loans not eligible for the Refer a Friend or Gift Card promotions.

  6. The qualifying return period is 30 days from the loan origination date.

  7. If, for any reason, you change your mind about your loan, simply return the principal amount borrowed in cash within the qualifying return period from the loan origination date.

  8. Loan must be paid off in full with cash or certified funds during the qualifying return period for 'No Cost' discount to apply.

  9. If not paid in full during the qualifying return period, loan will be charged at the full rate disclosed in your loan agreement, thus significantly increasing the total cost of your loan. Renewals, if applicable, will be charged at the full rate disclosed in your loan agreement.

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

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