Time Finance

Fast and Friendly Service

Time Finance Co. has been in the business of helping people for over 45 years. This is our first location and it has been serving residents since 1962. Life can be unpredictable, the unexpected happens from time to time. When it does, you can depend on us to provide you with assistance.

We provide you with short-term financial relief when you need it, up to $1,000.00. We offer fast and friendly service for when you require extra cash for an unexpected emergency, vacation, automotive repairs, furniture or that special gift. Give us a call today at 901-729-2727.

  • Loans on your signature
  • Easy terms
  • Monthly payments
  • Apply by phone

To qualify for a loan, just meet the following criteria:

  • Must have an income of at least $800.00 per month and from the same source for 12 months. You must be able to provide proof of your income.
  • Must not be in and active Bankruptcy.
  • Must live or work in the Memphis trade area for 12 months. Our trade area is about 25 miles from our office.
  • We cannot make a loan if your only source of income is active military.
  • We must be able to verify all information you give to us.
  • We will have to do a credit report.

Upon approval, you will need to bring in:

  • Valid Driver’s License or ID with photo.
  • Social Security Card.
  • Last two pay stubs or awards letter.
  • Five personal references.


This online application is not the actual application for credit. It is just collecting preliminary information from you. One of our friendly staff will contact you within 2 hours (Except on holidays, weekends, or after office hours) to complete the necessary information to complete your application.

loan for bad credit

Time Finance

1924 Madison Ave.
Memphis, TN 38104
Phone: 901-729-2727