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Frequently Asked Questions

What types of services do we offer?

  • Check cashing

  • Payday Advance Loans

  • Title Loans

  • Online Bill-Pay

  • Money Orders

  • Streaming Cable Service

How to cash a check at A+ Cash Solutions?

  • Bring check and valid Tennessee State issued driver's license.

  • One of our employees will verify and validate your check.

  • No credit check required.

What types of checks do we cash?

  • Payroll checks

  • Personal checks

  • Business checks

  • Income tax refund checks

  • Government checks

  • Settlement checks

  • Money Orders

What is a Cash Advance (also known as a Payday Loan)?

​Cash Advance (or Payday Loan) is a short-term, small-dollar loan, often used to cover unexpected expenses or just get a little extra money before your next paycheck. A Cash Advance is a personal loan that provides an alternative to bouncing checks. Cash Advances are used to cover short-term financial situations — they are not a long-term financial solution.

What do I need to apply for a Cash Advance (Payday Loan)?

  • One year of employment at current job (No gaps in employment)

  • Government issued photo ID (must be Tennessee) with current address

  • Proof of open and active checking account (statement) 

    • A real checking account statement with a state of Tennessee approved bank.  The checking account cannot be a prepaid account or online. The account, must be in good standing and have been open at least 1 year.​

  • A blank check from that bank account (cannot be a starter check),

  • The 6 most recent proofs of income (check stub),

  • Verification of address and citizenship (current piece of mail and a valid SSN).

  • ​2 references:

    • 1.  Family member

    • 2. Employee, Employer, or Coworker

  • Valid Social Security Number

  • Mail with address that matches ID

  • Proof of Income

What is a Title Loan?

If you own the title to your vehicle, a Title Loan allows you to borrow money based on its value. Your car is used as collateral for the loan so you can get the money you need immediately and keep driving your car while you pay back your personal loan. Title Loans are ideal for individuals looking for a fast solution to short-term financial needs.

How do Title Loans work?

To get a Title Loan, you give Advance America the title to your vehicle as collateral in exchange for a loan. You keep your car and can continue driving while you pay back the loan. Applying is easy. Simply bring your car and car title to an Advance America store that offers Title Loans. An employee will inspect your vehicle in minutes and provide a loan amount comparable to the vehicle value. Then, agree to the terms and scheduled payments, leave with the money you need, and repay your loan on scheduled due dates.

What do I need to be approved for a title loan?

General Requirements:

  • You must have a vehicle titled in the state of Tennessee.

  • You must be on the title for the vehicle you are presenting as collateral, and the vehicle must be free and clear of any liens.

  • Titles with two or more names are acceptable, however, both parties must be present in the store to complete process.

  • You must provide proof of a steady source of reoccurring income.

  • You must provide proof of current address which matches for state ID.

  • You must be over the age of 18.

  • You must bring a valid Tennessee state issued ID or Driver's License.

  • You must have a spare key present in store at time of application.

Can I keep my vehicle and continue to use my vehicle while I have a current title loan on it?

If approved, you absolutely may keep and continue to utilize your vehicle as you did prior to our loan.

When will you title loan payments be due?

Your title loan payments are due on a reoccurring 30-day schedule which will also be provided to at the time of signing your loan agreement, pending approval.

How and when can I pay back my loan?

You should make you loan payments in the store location in which your loan was processed. You make payments in person, in cash on or before the due date according to your fee schedule. You will not be penalized for making early payments and will be responsible for repayment of principal payment along with any fees and interest occurred between payment due dates as listed on your payment schedule.

What should I do if I change my mind and want to cancel my loan?

A+ Cash Solutions offers a 24-hour grace period in which you can decide to cancel your title loan agreement at originating location. You must bring back full amount of loan money you received, a cancellation will be processed once funds are verified to be accurately returned and your title and key will be returned back to you at that time.

How much will I be approved for on a title loan and how will I know if I am approved for a loan?

Your vehicle will be appraised on site and a cash value will be offered to you comparable to the value of the vehicle at the time of appraisal (between $100-$2500). You will be notified immediately following review of your application, verification of all documentation requested and appraisal of collateral vehicle presented at the time of loan. You will receive you approved amount in cash following the signing of all loan agreement documents.

When will I get my title back?

With a Title Loan, you’ll receive a payment schedule based on date of loan approval which will reoccur every 30-days until paid in full. Once the loan and fees are paid off, you’ll get your title back and we will release the lien.

What happens if I fail to make my payments and default on my loan?

If you don’t pay, you lose any claim to the vehicle, and it becomes the lender’s property through repossession of that vehicle. At that point, the lender can sell the vehicle within 60 days or dispose of it as they see fit. If the vehicle is sold, the proceeds will be used to pay off the debt along with any fees associated with the repossession process.

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