Thank you for choosing Forward Memphis, a trusted, affordable and sustainable alternative to predatory lending. If you are facing an eviction, car repossession, utility cutoff or stuck in high-cost payday or title loan, apply today. You may qualify to receive a loan of up to $2500 with no minimum credit score.
If you would like to be considered for our program, please review our requirements:
- Minimum age: 18
- Must have verifiable income
- Live, work, worship or attend school in Shelby County, TN
- Must not be in active bankruptcy or had a bankruptcy discharged in the past 2 years
- Must complete financial coaching by Forward Memphis
Step 1: Apply
Complete your online application and provide financial documentation.
Step 2: Assess
Meet with a coach to help us better understand your request and current financial situation.
Step 3: Advise
We discuss recommendations and options for a sustainable solution and long-term financial health.
Step 4: Access
Applicants are invited to apply for a Freedom Loan up to $2500. Most clients receive a decision within 7 days or less.
To begin our process, we recommend setting aside at least 20 minutes as well as having access to the following documents:
- Current pay stubs or a benefit statement reflecting one month of verifiable income (e.g., 2 pay stubs if you’re paid bi-weekly or semi-monthly; 4 pay stubs if you’re paid weekly; 1 pay stub or benefit statement (social security, pension) if you’re paid monthly). If you are married or in a partnership and living in the same household, please submit income documentation for both parties so we can review your total household income during the application process.
- If you are married or in a partnership and living in the same household, please submit income documentation for both parties so we can review your total household income during the application process.
- All recent statements for the past 30 days from any account or platform used to receive income or pay expenses, including checking & savings accounts, Cash App, Apple Cash, Chime, PayPal, or similar services.
- Documentation supporting your emergency need (required only if requesting emergency financial assistance)
Once we receive your interest form and supporting documents, a team member will contact you to schedule a virtual meeting with a money coach.
If you need to save your form and come back to complete it later, please click the “Save” button at the bottom of each page.
Please note that submission of the Client Intake Form is not a promise that financial assistance will be provided. Financial coaching is a requirement of our program. Each request is evaluated individually based on the applicant’s circumstances and program criteria.
