Your Trusted Local Financial Partner in Memphis
At Shelby Finance, we understand that financial challenges don't always arrive with advance notice. For years, we've been proud to serve the Memphis community with responsive, responsible lending solutions that help our neighbors manage life's unexpected expenses and achieve their financial goals. Our commitment to transparent lending practices and personalized service sets us apart from other financial institutions.
Understanding Our Installment Loans
Unlike payday or title loans that often come with complex terms and high-pressure repayment schedules, Shelby Finance offers structured installment loans designed with your success in mind. Our loans range from $202.75 to $1,785.50, providing flexible options to meet various financial needs. Each loan comes with a clear, straightforward repayment plan that helps you budget effectively and build financial stability. We pride ourselves on offering same-day funding availability for qualified borrowers, fixed payment schedules with no surprise fees, and opportunities to build or rebuild credit history. Our local decision-making process ensures personalized service from our experienced team, and we never charge prepayment penalties.
Our Commitment to Responsible Lending
At Shelby Finance, we believe in developing lasting relationships with our customers. Our approach focuses on transparent terms, ensuring you understand your payment schedule and obligations completely. We're committed to financial education, and our team is always happy to discuss budgeting strategies and provide guidance on improving your financial health. Our personalized service means we take the time to understand your unique situation and work to find the best solution for your needs.
Why Choose Shelby Finance?
When you choose Shelby Finance, you're partnering with a lender who truly understands the Memphis market. We offer competitive rates with personal attention, make quick lending decisions, and maintain transparent practices while building long-term relationships with our clients.
Local Understanding
As a Memphis-based company, we understand our community's unique challenges and opportunities. Our local presence enables us to provide face-to-face service when you need it, along with a deep understanding of local economic conditions. We pride ourselves on quick response times to your questions and concerns, and we're invested in our shared community's success.
Supporting Our Community
Shelby Finance takes pride in being an active member of the Memphis community. Our commitment extends beyond lending through our support of local initiatives and events, provision of financial literacy resources, contribution to community development, and creation of local employment opportunities.
Safety and Security
We maintain strict security protocols to protect your personal and financial information through secure document handling, a confidential application process, protected electronic systems, and compliance with all relevant privacy laws.
Hours of Operation and Accessibility
Our dedicated team is available five days a week to serve you, Monday through Friday. We offer both in-person consultations and phone support at 901-542-8212 from our convenient location serving the greater Memphis area.
Getting Started
Ready to learn more about how Shelby Finance can help you? Contact us today at 901-542-8212 or visit our office. Our experienced team is here to help make life a little easier with financial solutions that work for you.
Loan Uses and Applications
Our installment loans serve many purposes, helping Memphis residents manage various financial situations. For those just starting their credit journey or working to improve their credit score, our structured loan programs can help establish a positive payment history when payments are made as agreed. Many customers use our loans for bill consolidation, combining several smaller bills into one manageable monthly payment, which can simplify budgeting and reduce stress. Our loans are also commonly used for emergency expenses, from unexpected medical bills to urgent home repairs, allowing you to address immediate financial needs without delay. Additionally, customers often choose our loans to finance important purchases with a payment plan that fits their budget, rather than depleting savings all at once.
Bill Consolidation
Emergency Expenses
Important Purchases
The Application Process
We've streamlined our application process to respect your time while ensuring responsible lending practices. The process begins with an initial contact – simply call us at 901-542-8212 or visit our office to discuss your needs with our friendly staff. Our team will guide you through the simple application process, explaining every step along the way. As a local lender, we can often provide same-day decisions on loan applications, and qualified borrowers may receive their funds the same day they apply. To expedite your application, you'll need to provide a valid government-issued ID, proof of income, recent bank statements, proof of residence, and your Social Security card.
Important Notice
All loans are subject to approval and income verification. Terms and conditions apply. Please contact our office for complete details about our loan products and requirements.
Shelby Finance
5808 Winchester Rd.
Memphis, Tennessee 38115
