- Payday loans in Belle Meade follow Tennessee law (Deferred Presentment Services Act (TCA Title 45, Chapter 17)).
- Borrowing $300 at the state maximum costs 15% of the check amount.
- The nearest larger city is Nashville, about 6 miles away.
Belle Meade at a glance
| Belle Meade | |
|---|---|
| Population (2024 Census estimate) | 2,590 |
| Change since 2020 | -10.5% (shrinking) |
| County | Davidson County |
| Size rank among 326 Tennessee places we cover | 146th |
| Nearest larger city | Nashville (about 6 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Davidson County | 18 |
| Other towns within 25 miles | 24 (about 1,213,310 residents) |
| Typical payday APR statewide (CRL 2023) | 460% |
There is no separate Belle Meade payday law: Tennessee rules apply here, and any lender serving Belle Meade residents, online or in person, needs a license from the Tennessee Department of Financial Institutions.
Credit unions near Belle Meade
No credit union has its main office in Belle Meade, but these are based elsewhere in Davidson County (NCUA, June 2026):
- Parthenon Federal Credit Union in Nashville (federal charter — may offer payday alternative loans (PALs))
- Outreach Federal Credit Union in Hermitage (federal charter — may offer payday alternative loans (PALs))
- Nashville Firemen'S Credit Union in Nashville (state charter)
- Ten Credit Union in Nashville (state charter)
- Us Community Credit Union in Nashville (state charter)
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.
Payday loan rules that apply in Belle Meade
In short, Tennessee rules that cover Belle Meade include: 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 Belle Meade
The Center for Responsible Lending put the typical APR on a $400 payday loan in Tennessee at 460% (June 2023). For $300 at the state maximum, expect 15% of the check amount. Check any offer with our payday loan calculator.
Other help in Davidson County before you borrow
Before a payday loan, Belle Meade residents can usually find something cheaper:
- Local assistance through 211 covering Davidson County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Belle Meade
The nearest larger city is Nashville, about 6 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 Belle Meade?
Yes. Payday loans are legal in Belle Meade under Tennessee state law, and lenders must be licensed by the Tennessee Department of Financial Institutions.
How much does a payday loan cost in Belle Meade?
At Tennessee’s maximum fee, borrowing $300 costs 15% of the check amount. The typical statewide APR was 460% in 2023.
Where is the nearest credit union to Belle Meade?
No credit union is headquartered in Belle Meade, but Parthenon Federal Credit Union is based in Nashville, also in Davidson County.
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