TitleMax Title Loans – 277 W Main St
5.0
(563 reviews)
TitleMax Title Loans is a consumer finance organization operating storefronts that provide collateral-based short-term lending, typically secured by a vehicle title. The Hendersonville location at 277 W Main St participates in a network of similarly themed outlets that emphasize rapid, asset-backed funding options for customers seeking liquidity outside traditional credit channels. The organization’s model centers on loan approval processes tied to vehicle equity, with standard terms and disclosures aligned to state regulations. Historically, TitleMax has established a nationwide presence by expanding locations and partnerships that facilitate quick access to cash, particularly for borrowers who may have limited access to traditional bank financing. The primary functions include evaluating collateral value, presenting loan terms, and managing repayment schedules within established compliance frameworks. Operational scope generally spans retail storefronts, online application avenues, and cross-state servicing capabilities, enabling scale while maintaining local, in-person customer interactions. This description focuses solely on the entity’s nature, history, and core activities within the consumer lending landscape.
Sources & References
TitleMax Title Loans - Dun & Bradstreet
https://b.assets.dandb.com/businessdirectory/titlemaxtitleloans-columbia-tn-34549453.html
Find the TitleMax Title Loans company profile in Columbia, TN at DandB.com. Utilize the D&B Business Directory for the latest business information
TitleMax E-Commerce Credit Application | PDF
https://www.scribd.com/document/566269713/TitleMax-E-Commerce-Credit-Application
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TitleMax Title Loans in Lebanon Pike, Hermitage | CocoLoan
https://cocoloan.com/loan-company/titlemax-title-loans-7372227575767476
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Services this business provides
Loan agency
Car finance and loan company
Contact Information
Frequently Asked Questions about TitleMax Title Loans
TitleMax Title Loans is a nationwide title loan company operating under TMX Finance, formed in the late 1990s. The business expanded to more than 1,100 stores across multiple states, offering title loans and title pawns secured by customers’ vehicle titles. In recent years, TitleMax faced regulatory actions, including a $10 million CFPB penalty for unlawful title loans and practices, affecting military families and other consumers.
Store history varies by location, with many Tennessee outlets established or operating since the mid-2000s, such as Columbia, TN (since December 2007). ProPublica and investigative reporting have highlighted concerns about transparency and costs in some TitleMax transactions, underscoring ongoing scrutiny of lending practices. For more information, visit the company site and relevant consumer protection resources.
Store history varies by location, with many Tennessee outlets established or operating since the mid-2000s, such as Columbia, TN (since December 2007). ProPublica and investigative reporting have highlighted concerns about transparency and costs in some TitleMax transactions, underscoring ongoing scrutiny of lending practices. For more information, visit the company site and relevant consumer protection resources.
TitleMax Title Loans operates multiple locations across Tennessee, including Nashville, Memphis, Chattanooga, Knoxville, Columbia, Lebanon, Hermitage, and Johnson City. Specific addresses include Nashville locations at 6403 Charlotte Pike and 4807 Nolensville Pike, as well as others in the Nashville area and across the state. For the most accurate list of current Tennessee stores, visit TitleMax’s official store locator page or contact their customer service.
TitleMax Title Loans operates under federal and state lending laws, including adherence to the Military Lending Act and state-issued usury and consumer-finance regulations. The CFPB has previously ordered TitleMax entities to cease unlawful practices and pay penalties, including for high-cost title loans and violations of the MA statute, with penalties totaling millions and required consumer relief. In Tennessee, title loans are secured by a borrower’s vehicle title and are governed by state lending laws that set terms, fees, and disclosure requirements; lenders must comply with caps and disclosures applicable to short-term, high-cost consumer loans.
For locally specific compliance at the Hendersonville store location, refer to Tennessee’s licensing requirements for title lenders and any active regulatory actions or consent orders affecting TMX Finance or TitleMax entities in the state. Consumers should scrutinize loan terms, annual percentage rates, and renewal practices, and confirm registration with Tennessee’s Department of Financial Institutions or the appropriate regulatory body. Additional details about TitleMax’s operations and enforcement history can be explored through the CFPB and related regulatory publications.
For locally specific compliance at the Hendersonville store location, refer to Tennessee’s licensing requirements for title lenders and any active regulatory actions or consent orders affecting TMX Finance or TitleMax entities in the state. Consumers should scrutinize loan terms, annual percentage rates, and renewal practices, and confirm registration with Tennessee’s Department of Financial Institutions or the appropriate regulatory body. Additional details about TitleMax’s operations and enforcement history can be explored through the CFPB and related regulatory publications.
TMX Finance operates beyond TitleMax through a family of companies offering various consumer credit products. These include TitleBucks (alternative lending for short-term needs), InstaLoan (online personal installment loans), SpeedyCash (title loans, payday loans, installment loans, and check cashing), and EquityAuto Loan (second-lien auto loans in select markets). For more details on each brand and current store footprint, visit the TMX Finance Family of Companies site.
Tennessee regulates payday loans under the Deferred Presentment Service Act (DPSA) and related statutes in Tenn. Code Ann. Title 45, Chapter 17. Lenders may offer cash advances up to $500 per contract, with limits on the number of outstanding loans (no more than three total, two per lender) and a maximum repayment term of 31 days; rollovers are prohibited. Lenders are required to disclose terms, APRs, and fees, and abusive collection practices are prohibited, with licensing and registration requirements for lenders operating in the state.
For consumers, state regulators emphasize licensing, clear disclosures, and education about risks and alternatives to short-term debt. Visit the Tennessee Department of Financial Institutions or official state resources for the most current regulations and consumer protections. Note: local market practices (e.g., TitleMax or other lenders) must comply with these state rules.
For consumers, state regulators emphasize licensing, clear disclosures, and education about risks and alternatives to short-term debt. Visit the Tennessee Department of Financial Institutions or official state resources for the most current regulations and consumer protections. Note: local market practices (e.g., TitleMax or other lenders) must comply with these state rules.