States › Tennessee › Payday loan, title loan, personal loan, or advance loan
Who in Tennessee is complaining aboutPayday loan, title loan, personal loan, or advance loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Tennessee consumers filed 407 complaints under “Payday loan, title loan, personal loan, or advance loan” in the 12 months to 30 Sep 2026, up 25% on the 326 of the 12 months before. That is 5.60 per 100,000 residents, close to the national 5.20.
The category makes up 0.4% of the state's complaints, against 0.3% nationally. 6.3% of closed complaints ended with monetary or non-monetary relief (5.6% nationally) and 95.3% of responses were timely.
Companies with the most Payday loan, title loan, personal loan, or advance loan complaints from Tennessee, with their size
Ordered by complaints from Tennessee consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from TN, 12 months | Share | Company size |
|---|---|---|---|
| CCF Intermediate Holdings LLC | 38 | 9.3% | no public measure |
| Affirm Holdings, Inc | 29 | 7.1% | no public measure |
| Harpeth Financial Services, LLC | 18 | 4.4% | no public measure |
| OneMain Finance Corporation | 18 | 4.4% | no public measure |
| Block, Inc. | 16 | 3.9% | no public measure |
| ENOVA INTERNATIONAL, INC. | 13 | 3.2% | no public measure |
| UPGRADE, INC. | 9 | 2.2% | no public measure |
| Cash Express, LLC | 8 | 2% | no public measure |
| Rosebud Economic Development Corporation | 8 | 2% | no public measure |
| SOFI TECHNOLOGIES, INC. | 7 | 1.7% | $57bn assets |
| SYNCHRONY FINANCIAL | 7 | 1.7% | $115bn assets |
| BANKERS HEALTHCARE GROUP LLC | 7 | 1.7% | no public measure |
| Klarna AB | 6 | 1.5% | no public measure |
| World Acceptance Corporation | 6 | 1.5% | no public measure |
| MARINER FINANCE, LLC | 6 | 1.5% | no public measure |
| Advance America, Cash Advance Centers, Inc. | 6 | 1.5% | no public measure |
| GREENSKY OPERATIONS, LLC | 6 | 1.5% | no public measure |
| Dave Operating, LLC | 6 | 1.5% | no public measure |
| Paypal Holdings, Inc | 5 | 1.2% | no public measure |
| All other companies, including those not listed by name | 188 | 46.2% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 2 of the 19 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 77 | 18.9% |
| Struggling to pay your loan | 70 | 17.2% |
| Problem when making payments | 61 | 15% |
| Problem with the payoff process at the end of the loan | 35 | 8.6% |
| Getting the loan | 30 | 7.4% |
| Problem with additional add-on products or services | 25 | 6.1% |
| Incorrect information on your report | 22 | 5.4% |
| Getting a line of credit | 11 | 2.7% |
| Can't stop withdrawals from your bank account | 9 | 2.2% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 9 | 2.2% |
| Other CFPB issue categories | 58 | 14.3% |
How companies responded
- Closed with explanation369 · 90.7%
- Closed with monetary relief14 · 3.4%
- Closed with non-monetary relief11 · 2.7%
- In progress8 · 2%
- All other categories5 · 1.2%
| Measure | Tennessee, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 5.60 | 5.20 |
| Closed with monetary or non-monetary relief | 6.3% | 5.6% |
| Responses marked timely | 95.3% | 94.5% |
Trend
Other products in Tennessee
Credit reporting or other personal consumer reports · 85,118Debt collection · 5,619Checking or savings account · 1,446Credit card · 1,324Money transfer, virtual currency, or money service · 710Mortgage · 601Vehicle loan or lease · 444Student loan · 359
Questions and answers
How many Payday loan, title loan, personal loan, or advance loan complaints come from Tennessee?
407 in the 12 months to 30 Sep 2026, 326 in the 12 months before and 993 since 2011.
Is that high for the population?
5.60 per 100,000 residents in Tennessee against 5.20 nationally.
Which issues come up most?
“Charged fees or interest you didn't expect” (18.9%), “Struggling to pay your loan” (17.2%), “Problem when making payments” (15%), “Problem with the payoff process at the end of the loan” (8.6%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.