Cash Advance and Payday Loans in Charlotte, NC

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A payday loan is an unsecured, short-term loan that is paid back within two weeks of taking out the loan. Payday loan companies are banned from operating in the state of North Carolina; however, residents of Charlotte, NC, can request short-term funding from online lenders.

Advantages of Taking Out a Payday Loan

Payday loans provide a short-term, small-dollar cash advance to tide consumers over until payday. Payday loans are most often used for emergencies or living expenses but can be used for many different purposes. The application process is simple, and loan approvals tend to be fast. Unfortunately, this product is not available in North Carolina.

In other areas, payday loans are among the most flexible loans. Borrowers can use them for a wide variety of purposes. The most common uses for a payday loan include:

  • Maintenance and repairs
  • Home improvements
  • Paying medical expenses, including copays and the cost of prescription and over-the-counter drugs
  • Utility expenses
  • Rent
  • Family emergencies
  • Paying taxes
  • New appliances
  • Making a down payment on a significant purchase
  • Covering emergency travel expenses

How to Get a Cash Advance and Payday Loan in Charlotte

Because cash advance companies based in North Carolina have been outlawed since 2001, there are no storefront locations you can apply at in Charlotte. You can, however, apply to online short-term lenders. Online applications only take about 15 minutes, and it typically doesn’t take more than a few minutes for lenders to verify the applicant's credit record and eligibility requirements. Loan approvals are often made on the same day that the application is filed. Once approved, applicants might receive their loan funds as soon as the next business day.

Cash Advance and Payday Loan Requirements

If this form of short-term lending is ever available again, then the following information will likely be needed to request a payday loan in Charlotte:

  • Proof that the applicant is at least 18 years old
  • Federal or state identification that proves identity and current address
  • Bank account information or details of a loadable debit card
  • Social Security number
  • Contact details, such as phone number and email address
  • Employer and income information
  • Information about applicable alternative income sources

Some lenders might also require a postdated check for the full loan amount plus interest charges to ensure complete repayment.

Costs and Regulations of Cash Advance and Payday Loans in Charlotte, NC

As mentioned earlier, the payday loan product is prohibited in North Carolina. The Consumer Finance Act, passed in 2001, caps APR at 36% for North Carolina residents; however, there is no limit on additional fees and charges. It is incredibly important to research before signing a contract. Predatory lenders may try to sneak hidden fees into their contracts.

Installment Loans in Charlotte

If you’re wary of taking out a payday loan but still need money, consider an installment loan. Installment loans allow you to borrow more and offer longer repayment terms. Installment loan applicants may have to undergo a more thorough credit score check, but the criteria for approval are not necessarily stricter than payday lenders’. Online lenders tend to be more lenient than traditional financiers. Meaning those with a low credit score may still be approved.

Charlotte residents can request installment loans of up to $2,000. In comparison, payday loans average $200 to $300. Installment loans allow you to repay the loan in small monthly increments, which may be a more sustainable option than a payday loan, which requires you to repay the loan in one lump sum.

Requesting Title Loans in Charlotte

Title loans are another alternative to payday loans. Title loans require collateral. In this case, the required collateral is a vehicle, including trucks, cars, and motorcycles. Title loans are illegal in North Carolina. Be wary of any car title lender with a storefront; these are not legal businesses.

To request a title loan from another area, you must first fill out an online application and upload the required documents. The lender will appraise your vehicle and send you an offer. How much you can receive for the vehicle varies depending on the lender and perceived value of your vehicle.

Before filling out the online application, be prepared to present the following documents:

Proof of ownership of a lien-free vehicle in your name

  • Proof of income
  • Proof of residency
  • A government-issued ID
  • The hard copy of the vehicle title

To qualify for a title loan, you must own your vehicle and be at least 18 years of age.

Favorite Charlotte, NC, Cash Advance and Payday Loan Companies

You cannot borrow from a payday lender in North Carolina. Any storefronts operating in Charlotte, NC, may not be reputable and should be avoided. There are other lending options that might be available. To find a lender, begin by searching online and be sure to do the proper research before settling on a company from which to borrow.

Company name
Address
Phone
1 STOP FINANCIAL CENTER LLC
2511 The Plz Charlotte NC, 28205
704-632-1758
A Plus Check Advance Of Nc
4801 North Tryon Street Charlotte NC, 28213
704-596-5252
A Plus Check Advance Of Nc
3116 Milton Road Suite A Charlotte NC, 28215
704-566-3435
A PLUS CHECK ADVANCE OF NC
3116 Milton Rd Charlotte NC, 28215
704-566-3435
ACE AMERICAS CASH EXPRESS
8000 Corporate Center Dr Charlotte NC, 28226
704-540-9044
ACE AMERICAS CASH EXPRESS
4436 South Blvd Charlotte NC, 28209
704-522-3700
ACE CASH EXPRESS
228 Eastway Dr Charlotte NC, 28213
704-596-5424
ACE CASH EXPRESS
2107 Beatties Ford Rd Ste B Charlotte NC, 28216
704-398-3783
ACE CASH EXPRESS
6824 Albemarle Rd Ste E Charlotte NC, 28212
704-531-7233
ACE CASH EXPRESS
6600 E Independence Blvd Charlotte NC, 28212
704-535-5900
ACE CASH EXPRESS
7008 E Wt Harris Blvd Charlotte NC, 28215
704-536-3609
ACE CASH EXPRESS
901 N Wendover Rd Ste B Charlotte NC, 28211
704-442-0116
ACE CASH EXPRESS
2611 Central Ave Charlotte NC, 28205
704-333-2961
ACE CASH EXPRESS
3061 N Sharon Amity Rd Ste D Charlotte NC, 28205
704-568-8680
ACE CASH EXPRESS
2915 The Plz Charlotte NC, 28205
704-343-0115
ACE CASH EXPRESS
2611a Central Ave Charlotte NC, 28205
704-333-2961
ACE CASH EXPRESS
2413 Kingspark Dr Apt D Charlotte NC, 28208
704-343-0115
ACE CASH EXPRESS
6111 South Blvd Charlotte NC, 28217
704-552-5600
ACE CASH EXPRESS
900 E Arrowood Rd Charlotte NC, 28217
704-553-1260
ACE CASH EXPRESS
3310 Wilkinson Blvd Charlotte NC, 28208
704-399-3747
ACE CASH EXPRESS
2706b Freedom Dr Charlotte NC, 28208
704-399-4433
ACE CASH EXPRESS
2706 Freedom Dr # B Charlotte NC, 28208
704-399-4433
Ace Cash Express Inc
2915B The Plz Charlotte NC, 28205
704-343-0115
Ace Cash Express Inc
3061 N Sharon Amity Rd Charlotte NC, 28205
704-568-8680
Ace Cash Express Inc
6600 E Independance Blvd Charlotte NC, 28212
704-535-5900
Ace Cash Express Inc
1603 South Blvd Charlotte NC, 28203
704-333-2274
Ace Cash Express Inc
3301 Freedom Dr Charlotte NC, 28208
704-393-0555
Advance America
3301 Freedom Drive Charlotte NC, 28208
704-399-6414
Advance America
3124 Eastway Drive Suite 550 Charlotte NC, 28205
704-569-9430
Advance America
5416 North Tryon Street Charlotte NC, 28213
704-398-0262
Advance America
9009 Albemarle Road Charlotte NC, 28227
704-569-3653
Advance America
2107 Beatties Ford Road Charlotte NC, 28216
704-398-0262
Advance America
3609 Eastway Drive Charlotte NC, 28205
704-568-8000
Advance America
1610 Ashley Road Charlotte NC, 28208
704-393-3614
Advance America
5800 North Sharon Amity Road Suite F Charlotte NC, 28215
704-563-0138
Advance America
5927 South Boulevard Charlotte NC, 28217
704-554-8440
Advance America
6906 Albemarle Road Charlotte NC, 28227
704-535-0434
Advance America
5125 South Boulevard Charlotte NC, 28217
704-522-1707
Alcazar Check Cashing Inc
4343 North Tryon Street Charlotte NC, 28213
704-509-9800
Cap Inc
4530 Park Road Suite 302 Charlotte NC, 28209
704-522-1744
CAROLINA CASH EXPRESS
2600 Central Ave Charlotte NC, 28205
704-332-3470
Carolina Cash Express Inc
2600 Central Ave Ste C Charlotte NC, 28205
704-332-3470
Carolina Check Cashers
2023 Beatties Ford Road Charlotte NC, 28216
704-393-7070
CAROLINA CHECK CASHERS
2023 Beatties Ford Rd Charlotte NC, 28216
704-393-7070
Carolina Check Cashers Inc
2023 Beatties Ford Rd Charlotte NC, 28216
704-393-7071
Cash Advance Check Cashing
4709 Tuckaseegee Road Charlotte NC, 28208
704-392-5080
CASH AMERICA
3250 Wilkinson Blvd Charlotte NC, 28208
704-399-3566
CASH PAY DAY
5724 E Wt Harris Blvd Charlotte NC, 28215
704-532-9600
Charlotte Check Cashiers 8
4749 South Blvd Charlotte NC, 28217
704-716-1002
Charlotte Checkcashers
7001 South Boulevard Suite A Charlotte NC, 28217
704-643-3332
CHARLOTTE CHECKCASHERS
6401 The Plz Charlotte NC, 28215
704-535-0022
CHARLOTTE CHECKCASHERS
7010 Albemarle Rd Charlotte NC, 28227
704-343-0073
CHARLOTTE CHECKCASHERS
7010 Albermarle Rd Charlotte NC, 28201
704-343-0073
CHARLOTTE CHECKCASHERS
3711 Central Ave Charlotte NC, 28205
704-295-0600
CHARLOTTE CHECKCASHERS
7001 South Blvd Charlotte NC, 28217
704-643-3332
Charlotte Checkcashers 1
1800 South Tryon Street Charlotte NC, 28203
704-342-0065
Charlotte Checkcashers 2
4421 North Tryon Street Charlotte NC, 28213
704-596-7771
Charlotte Checkcashers 6
3654 Central Avenue Charlotte NC, 28205
704-295-0600
Check Cashers Inc
2612 Cloister Dr Charlotte NC, 28211
704-362-0003
Check Into Cash
3844 East Independence Boulevard Charlotte NC, 28205
704-568-9050
Check Into Cash
816 East Arrowood Road Charlotte NC, 28217
704-554-9770
Check Into Cash
4456 The Plaza Charlotte NC, 28215
704-531-3988
Check Into Cash Inc
5430 N Tryon St Ste 406 Charlotte NC, 28213
704-596-1960
Check Into Cash Inc
4456 The Plz Ste B Charlotte NC, 28215
704-531-3988
Check Into Cash Inc
816 E Arrowood Rd Ste D Charlotte NC, 28217
704-554-9770
CHECKS CASHED P
1610 Ashley Rd Charlotte NC, 28208
704-393-9852
CHECKS CASHED PLUS
5930 South Blvd Charlotte NC, 28217
704-554-6557
Checks Etc
6220 Idlewild Rd Charlotte NC, 28212
704-568-2226
Checks Etc
4421 Central Avenue Apt A Charlotte NC, 28205
704-537-2274
Checks Etc
6220 Idlewild Road Charlotte NC, 28212
704-568-2226
Checks Etc
5930 South Boulevard Charlotte NC, 28217
704-552-1055
Chectronics
929 Lynnview Court Charlotte NC, 28202
704-517-2069
Chicag-Cntral Pk Currency Exch
2301 The Plz Charlotte NC, 28205
704-343-0073
Chicag-Cntral Pk Currency Exch
1800 S Tryon St Charlotte NC, 28203
704-342-0065
Chicag-Cntral Pk Currency Exch
4421 N Tryon St Charlotte NC, 28213
704-596-7771
COMMISSION EXPRESS
815 E Worthington Ave Charlotte NC, 28203
704-333-7772
CURRENCY EXCHANGE
3205 Freedom Dr Charlotte NC, 28208
704-393-2742
Dfcc Bonding
9001 Nations Ford Road Suite G Charlotte NC, 28273
704-523-4112
Discount Check Cashers
5618 Albemarle Road Charlotte NC, 28212
704-566-4842
Discount Check Cashers
1547 West Boulevard Charlotte NC, 28208
704-372-7438
DISCOUNT CHECK CASHERS
1535 West Blvd Charlotte NC, 28208
704-372-7438
Discount Federal Check Cashers
2417 North Tryon Street Charlotte NC, 28206
704-375-0571
Etc
6411 Boykin Spaniel Road Charlotte NC, 28277
704-844-0672
Ez Check Cashing Of Charlotte
Charlotte Charlotte NC, 28202
704-531-6660
FIRST AMERICAN CASH ADVANCE
5224 Sunset Rd Ste B Charlotte NC, 28269
704-598-9920
FIRST AMERICAN CASH ADVANCE
1530 Alleghany St Ste G Charlotte NC, 28208
704-398-0162
First Southern Cash Advance
5304 Sunset Road Charlotte NC, 28269
704-598-9920
First Southern Cash Advance
4412 East Independence Boulevard Charlotte NC, 28205
704-569-3755
First Southern Cash Advance
1530 Alleghany Street Charlotte NC, 28208
704-398-0162
First Southern Cash Advance
1841 West Ehringhaus Street Charlotte NC, 28204
252-384-0196
Higher Quality Consultants
Charlotte Charlotte NC, 28202
704-517-2069
J H Tax Service Inc
3124 Eastway Dr Ste 670 Charlotte NC, 28205
704-535-8889
Jacksonhewitt Tax Services
3124 Eastway Drive Suite 670 Charlotte NC, 28205
704-535-8889
LA UNIVERSAL
127 E Sugar Creek Rd Charlotte NC, 28213
704-597-1420
LA UNIVERSAL 2
3122 Eastway Dr Charlotte NC, 28205
704-532-2312
Liberty Check Cashing
3201 Beatties Ford Road Charlotte NC, 28216
704-398-1488
Liberty Check Cashing Services
3201 Btties Ford Rd Ste B Charlotte NC, 28216
704-398-1488
LIBERTY CHECK CASHING SERVICES
3201 Beatties Ford Rd Charlotte NC, 28216
704-398-1488
Mister Thrifty Check Casher Inc
3501 South Tryon Street Charlotte NC, 28217
704-672-4911
Moore Lewis J Associates
3623 Latrobe Drive Charlotte NC, 28211
704-365-8620
Nationwide Budget Finance
3401 South Boulevard Suite A Charlotte NC, 28209
704-523-5778
Perkins Financial Services
4421 Central Ave Apt A Charlotte NC, 28205
704-537-2274
Postal Services
2018 North Graham Street Charlotte NC, 28206
704-338-1609
Sab Check Cashing
5859 Albemarle Road Charlotte NC, 28212
704-537-9955
SAB CHECK CASHING
5859 Albemarle Rd Charlotte NC, 28212
704-537-9955
SHAB SERVICES INC
6339 Albemarle Rd Charlotte NC, 28212
704-535-2022
SISTER CARE
5221 Equipment Dr Ste G Charlotte NC, 28262
704-509-4949
U S A Check Cashing
5115 North Tryon Street Suite C Charlotte NC, 28213
704-596-5005
U S A CHECK CASHING
5115 N Tryon St Charlotte NC, 28213
704-596-5005
United Check Cashing
5727 N Sharon Amity Rd Charlotte NC, 28215
704-563-5123
United Check Cashing
5727 North Sharon Amity Road Charlotte NC, 28215
704-563-5123
Usa Check Cashing
5115 N Tryon St Ste C Charlotte NC, 28213
704-596-5005
Winkel Construction
5335 Ballantyne Cmns Parkway Charlotte NC, 28277
704-844-0672
WORLD CHECK CASHER 2
2200 Beatties Ford Rd Charlotte NC, 28216
704-393-8640
WORLD CHECK CASHER 2
3039 Forestbrook Dr Charlotte NC, 28208
704-393-8640
World Check Cashing
2536 S Tryon St Charlotte NC, 28203
704-347-1900

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