Background
745-CASH is a Memphis-based financial services provider specializing in payday loans and title loans. The company is known for its fast, friendly customer service and convenient storefront locations throughout the Memphis area. 745-CASH focuses on helping customers meet short-term financial needs with quick access to cash, whether through a payday advance or a loan secured by a vehicle title.
History
Operating for over two decades, 745-CASH has established itself as a trusted local lender in the Memphis community. The company is a division of Golden Title Loans, LLC, and has built a reputation for responsive service and transparent lending practices.
Types of Loans and Fees Charged
Payday Loans: Short-term loans (up to $425 in Tennessee) due on the borrower’s next payday. Designed to cover urgent expenses or cash shortfalls.
Fees: For a 14-day loan, fees are $17.65 per $100 borrowed, resulting in an APR of approximately 460%. For example, a $425 loan carries a $75 fee, totaling $500 due at repayment.
Title Loans: Loans secured by the borrower’s vehicle title, available up to $2,500.
Fees: For a 30-day loan, fees are $22 per $100 borrowed, with an APR of about 267%. For example, a $1,000 title loan would incur a $220 fee, totaling $1,220 due at repayment.
Collateral Accepted: Cars, trucks, vans, SUVs, motorcycles, ATVs, boats, RVs, and campers.
Repayment Terms: Payday loans are due on the next payday; title loans require monthly payments, with the first two payments covering interest only and the third payment including a 5% principal reduction. No early payoff penalties.
Locations
745-CASH operates multiple storefronts in the Memphis area, including:
3237 Austin Peay Hwy, Memphis, TN 38128
1425 Germantown Pkwy #4, Cordova, TN 38016
3400 Elvis Presley Blvd, Memphis, TN 38116
1538 Getwell Rd, Memphis, TN 38111
7874 Highway 51, Millington, TN 38053
4664 Summer Ave, Memphis, TN 38122
6526 Winchester Rd, Memphis, TN 38115
States Where Loans Are Offered and Not Offered
Available States: Tennessee (Memphis and surrounding areas)
Unavailable States: Not available outside Tennessee
How to Contact 745-CASH
Phone: 901-745-2274 (CASH)
Email: [email protected]
Website: 745cash.com
Online: Apply online, chat, or fill out a contact form on the website
Store Hours: Monday–Friday: 9:00 AM – 6:00 PM; Saturday: 9:00 AM – 2:00 PM; Closed Sunday
745-CASH is known for its high customer satisfaction, with a 4.93 out of 5 rating based on over 2,600 user reviews.
