- Payday loans in Bartlett follow Tennessee law (Deferred Presentment Services Act (TCA Title 45, Chapter 17)).
- Borrowing $300 at the state maximum costs 15% of the check amount.
- 2 credit unions are headquartered in Bartlett; ask about small-dollar loans before borrowing.
Bartlett at a glance
| Bartlett | |
|---|---|
| Population (2024 Census estimate) | 56,708 |
| Change since 2020 | -1.7% (shrinking) |
| County | Shelby County |
| Size rank among 326 Tennessee places we cover | 14th |
| Share of Tennessee’s population | 0.8% |
| Nearest larger city | Memphis (about 12 miles) |
| Credit unions headquartered in town (NCUA) | 2, 2 federal |
| Credit unions headquartered in Shelby County | 22 |
| Other towns within 25 miles | 18 (about 791,156 residents) |
| Typical payday APR statewide (CRL 2023) | 460% |
Payday lending in Bartlett follows Tennessee state law. Lenders that serve Bartlett, in a store or online, must be licensed by the Tennessee Department of Financial Institutions.
Credit unions in Bartlett
These credit unions have their main office in Bartlett, according to NCUA call report data (June 2026):
- Kemba Delta Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- First South Financial Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Bartlett
The main Tennessee rules for a payday loan in Bartlett: maximum: $500 in total outstanding checks; maximum fee: 15% of the face amount of the check; loan term: up to 31 days. See the full Tennessee payday loan rules.
What a $300 loan costs in Bartlett
At Tennessee’s maximum fee, borrowing $300 costs 15% of the check amount. Statewide, the typical APR on a $400 payday loan was 460% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Shelby County before you borrow
- Call or text 211 for help with rent, utilities and food in Shelby County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Bartlett
The nearest larger city is Memphis, about 12 miles away. See all 326 Tennessee cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Bartlett?
Yes. Payday loans are legal in Bartlett under Tennessee state law, and lenders must be licensed by the Tennessee Department of Financial Institutions.
How much does a payday loan cost in Bartlett?
At Tennessee’s maximum fee, borrowing $300 costs 15% of the check amount. The typical statewide APR was 460% in 2023.
Are there credit unions in Bartlett?
Yes. NCUA data lists 2 credit unions with a main office in Bartlett, including Kemba Delta Federal Credit Union and First South Financial Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Tennessee — Consumer notice, Deferred Presentment Services Act
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary