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Check Cashing and Payday Loan Stores in Johnson City, TN

12 of the 26 pawn shops, check cashing and loan stores we list in Johnson City are check cashing or payday loan services.

Stores in this category vary significantly by the type of financial products they offer, ranging from simple payroll check cashing to short-term installment loans and personal credit lines. Processing fees, required identification, and funding speeds differ between dedicated check cashers and traditional consumer loan offices. A map pin shows proximity, but it will not indicate whether a specific location handles hand-written checks, government benefits, or immediate cash payouts.

  1. OneMain Financial

    600 N State Of Franklin Rd, Johnson City, TN 37604

    Mon, Wed, Fri 08:30-17:30, Tue, Thu 09:00-17:30

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  2. Security Finance

    1012 W Market St Ste 3, Johnson City, TN 37604

    Mon–Wed 8:30 AM–5:30 PM

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  3. Advance America

    509 N State Of Franklin Rd Ste. 1, Johnson City, TN 37604

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  4. Tennessee Title Loans, Inc.

    2508 N Roan St, Johnson City, TN 37601

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  5. Cash Express

    2606 S Roan St, Johnson City, TN 37601

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  6. Check Into Cash

    2244 N Roan St Ste 101, Johnson City, TN 37601

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  7. Covington Credit

    600 N State Of Franklin Rd Ste 4, Johnson City, TN 37604

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  8. Quick Credit

    3101 W Market St Ste 112, Johnson City, TN 37604

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  9. Kroger Money

    112 Sunset Dr, Johnson City, TN 37604

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  10. Sun Loan Company

    1409 W Market, Ste 102, Johnson City, TN 37604

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  11. Citizens Savings And Loans

    3104 Bristol Hwy Ste A, Johnson City, TN 37601-1599

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  12. Onemain Financial

    1321 Sunset Dr, Johnson City, TN 37604

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Bring the right documentation. Bring a valid government-issued photo ID, your most recent proof of income or pay stub, and a recent utility bill to verify your current residence before applying for a loan or cashing a check.

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Check Cashing and Payday Loan Stores near Johnson City

Good to know

What do I need to bring to cash a payroll or government check?

You typically need a current government-issued photo ID, such as a driver's license or passport, and the endorsed check. Some stores may also ask for a secondary form of identification or a phone number to verify the check with the issuer.

How much do check cashing services usually cost?

Fees are often set as a percentage of the check's total face value, typically ranging from 1% to 5% for payroll or government checks. Personal or unverified checks usually carry higher percentage fees due to the additional processing risk.

What is the difference between a payday loan and a consumer installment loan?

Payday loans are usually smaller, short-term advances meant to be repaid in full on your next payday. Consumer installment loans offer larger principal amounts that are paid back over several months through fixed scheduled payments.