Cash Advance and Installment Loans in Raleigh, NC

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When facing a small, unexpected expense, getting a loan from a bank in Raleigh can be quite difficult. The struggle is harder for customers with low credit scores. Many opt instead for alternative financing, which includes short-term solutions, such as cash advance loans, installment loans, or title loans.

Advantages of Taking Out Short-Term Loans in Raleigh, NC

Time is the most significant advantage when using a cash advance or installment loan. A lender's quick turnaround time helps the client address the emergency as quickly as possible. The lender provides a credit decision quickly. Usually, after filling out a little paperwork, granting the loan is decided on the spot. If approved, the customer can receive funds in as soon as one business day.

The second most significant advantage is that the borrower's credit score may not matter. Short-term lending is meant to be paid back in full in a small period of time. As long as the borrower makes enough money to pay off the loan, then the lender may overlook a bad credit score. 

Lastly, another advantage when applying for a cash advance and installment loans is not needing collateral or a guarantor.

How to Get a Small-Dollar Instalment Loan in Raleigh, NC

Applying for a loan in Raleigh can be done online or by visiting a lender in person. Keep in mind that North Carolina law prohibits its residents from taking several loans of this nature simultaneously. Individuals may need to display proof that they have the means to pay back the debt on time.

Requirements for Getting an Installment Loan in Raleigh, NC

Those searching for short-term funding should first make sure they meet the basic Raleigh requirements. To be eligible for a loan in Raleigh, clients must be North Carolina residents of at least 18 years of age, present a proof of income with a monthly salary of no less than $1,000, an ID, and their address. In some cases, lenders may ask clients to present a bank statement.

Some lenders care more about a borrower's revenue stream than a credit score. This is because short-term loans are meant to be paid back in a short period, so the lender may focus on whether the borrower makes enough to pay back the loan now.

Costs and Regulations of Installment Loans and Small-Dollar Loans in Raleigh, NC

Since 2001, payday loans are illegal in North Carolina. However, there are other alternatives when seeking quick cash, such as installment loans. Although the maximum installment loan amount isn't specified, the best lenders offer a minimum of $1,000 and a maximum of $2,500 to $3,000. Some lenders may also offer installment loans up to $5,000. The loan term isn't defined either. Some lenders are flexible with the repayment schedule for smaller installment loans; however, most larger installment loans have monthly payments. The annual percentage rate is dependent on the loan term. The lender may charge additional fees, which will be added to the loan's total cost.

Getting Car Title Loans in Raleigh, NC

Many states have a maximum loan term of 12 months for title loans. However, title loan companies in Raleigh may allow up to 36 months. Interest rates for title loans can approach 175% or higher. Nevertheless, the interest rate is sometimes reduced with each on-time payment, leading to a drop as low as 32% near the loan's end in some cases.

Similar to short-term loans, car title loans are often available to those with bad credit.

Lenders may not require a physical inspection of the vehicle before approval. Clients can apply for a title loan online or in person by presenting their car's documents, such as the title and pictures.

Favorite Raleigh, NC, Loan Companies

When seeking cash advance and installment loans in Raleigh, NC, customers have many options from which they can request a loan. Speedy Cash is one of the companies considered by many customers. Speedy Cash has different branches throughout Raleigh, and customers have the option to apply for a loan, whether online or in person.

Another trusted company in Raleigh is Check Into Cash. Alongside cash advance and installment loans, both companies offer check cashing services and are known for their quick service and easy application process.

Raleigh residents have different options when seeking a quick loan to solve an emergency. It is best to carefully consider which option best fits the customers' needs since each loan differs in terms of interest rates, fees, and payment methods.

Company name
Address
Phone
A A A Check Cashing Inc
104 East Martin Street Raleigh NC, 27601
919-828-3312
A S K Check Cashing Inc
1904 S Wilmington St Raleigh NC, 27603
919-856-1041
Aaa Currency Exchange Inc
104 E Martin St Raleigh NC, 27601
919-828-3312
ACE AMERICAS CASH EXPRESS
1101 Miami Blvd Raleigh NC, 27601
919-682-2977
ACE CASH EXPRESS
1314 New Bern Ave Raleigh NC, 27610
919-829-0077
Advance America
4111 New Bern Avenue Suite 121 Raleigh NC, 27610
919-231-8326
Advance America
3936 Western Boulevard Raleigh NC, 27606
919-231-8326
Advance America
3653 New Bern Avenue Raleigh NC, 27610
919-231-3510
Advance America
3501 Capital Boulevard Suite 121 Raleigh NC, 27604
919-876-5151
ADVANCE AMERICA
3501 Capital Blvd Raleigh NC, 27604
919-876-5151
ADVANCE AMERICA
4111 New Bern Ave Raleigh NC, 27610
919-231-8326
ADVANCE AMERICA
3653 New Bern Ave Raleigh NC, 27610
919-231-3510
ADVANCE AMERICA
3936 Western Blvd Raleigh NC, 27606
919-833-8431
AMERICAN GOLD EXCHANGE & PAWN
3416 Poole Rd Ste 104 Raleigh NC, 27610
919-231-6433
American Gold Exchange & Pawn Inc
3416 Poole Road Suite 104 Raleigh NC, 27610
919-231-6433
Arrow Pawn Jewelry Audio & Check Cashing
2421 Crabtree Boulevard Raleigh NC, 27604
919-876-0327
ARROW PAWN JEWELRY AUDIO CHECK
2421 Crabtree Blvd Raleigh NC, 27604
919-821-0001
Arrow Pawn Jewelry Audio Check Cashing & Loan - Number 1 Store
2421 Crabtree Boulevard Raleigh NC, 27604
919-821-0001
Asa Check Cashing Service
1827 Garner Road Raleigh NC, 27610
919-833-9049
Asa Convenience
1827 Garner Road Raleigh NC, 27610
919-833-9044
Ask Check Cashing
1904 South Wilmington Street Raleigh NC, 27603
919-856-1041
ASK CHECK CASHING
4809 Fayetteville Rd Raleigh NC, 27603
919-856-1800
CAPITAL CHECK CASHING INC
3520 Capital Blvd Raleigh NC, 27604
919-872-3680
CAROLINA JEWELRY & PAWN
2609 S Saunders St Raleigh NC, 27603
919-834-7796
CAROLINA JEWELRY & PAWN
1609 Capital Blvd Raleigh NC, 27604
919-832-5626
CAROLINA JEWELRY PAWN INCORPOR
N State Jewelry Raleigh NC, 27601
919-532-7774
Cash Advance Check Cashing
2 North Pettigrew Street Raleigh NC, 27610
919-755-3455
CASH ADVANCE CHECK CASHING
2609 S Saunders St Raleigh NC, 27603
919-755-3455
CASH ADVANCE CHECK CASHING
2 N Pettigrew St Raleigh NC, 27610
919-755-3455
Cash Advance Services
4205 Pleasant Valley Road Raleigh NC, 27612
919-784-0330
Cash Express
2720 Lake Wheeler Road Raleigh NC, 27603
919-833-1396
Cash Express Inc
5563 Western Boulevard Suite 12B Raleigh NC, 27606
919-851-7769
Cash Express Inc
1470 Garner Station Boulevard Raleigh NC, 27603
919-773-9229
CASH EXPRESS INC
1470 Garner Station Blvd Raleigh NC, 27603
919-773-9229
CASH EXPRESS INCORPORATED
5563 Western Blvd Raleigh NC, 27606
919-851-7769
CASHN ADVANCE
2720 Lake Wheeler Rd Raleigh NC, 27603
919-833-1396
Check Care Systems
Raleigh Raleigh NC, 27601
919-661-0010
Check Cashing & More Inc
1410 New Bern Ave Raleigh NC, 27610
919-231-8848
CHECK CASHING AND MORE
1619 Cross Link Rd Raleigh NC, 27610
919-836-1884
CHECK CASHING AND MORE INC
3635 New Bern Ave Raleigh NC, 27610
919-231-8848
CHECK CASHING O
1100 N Raleigh Blvd Ste 112 Raleigh NC, 27610
919-832-4002
Check Cashing Of Raleigh
1100 North Raleigh Boulevard Suite 112 Raleigh NC, 27610
919-828-8208
Check Cashing Of Raleigh
3635 New Bern Avenue Raleigh NC, 27610
919-231-8848
CHECK CASHING OF RALEIGH
1100 Raleight Blvd Raleigh NC, 27601
919-828-8208
CHECK CASHING OF RALEIGH
1100 N Raleigh Blvd Raleigh NC, 27610
919-832-4002
CHECK INTO CASH
3281 Avent Ferry Rd Raleigh NC, 27606
919-859-5951
Check Into Cash
4011 Capital Boulevard Raleigh NC, 27604
919-850-0247
CHECK INTO CASH
4011 Capital Blvd Raleigh NC, 27604
919-850-0247
Check Into Cash
3281 Avent Ferry Road Raleigh NC, 27606
919-859-5951
Check Into Cash
1100 North Raleigh Boulevard Suite 111 Raleigh NC, 27610
919-821-4099
Check Into Cash Inc
4011 Capital Blvd Ste 125 Raleigh NC, 27604
919-850-0247
Check Loans
3030 Capital Boulevard Raleigh NC, 27604
919-875-8883
Checkcare Systems
920 Seventh Avenue Suite Raleigh NC, 27601
919-661-0010
City Mart
335 South Wilmington Street Raleigh NC, 27601
919-821-4100
CYBER CASH
4546 Capital Blvd Raleigh NC, 27604
919-981-6000
Dalia Check Cashing
215 West Martin Street Raleigh NC, 27601
919-832-7763
DALIA CHECK CASHING
5525 Western Blvd Raleigh NC, 27606
919-852-3737
Dalia Inc
215 W Martin St Raleigh NC, 27601
919-832-7763
DRAKE EVAN
1609 Capital Blvd Raleigh NC, 27604
919-755-1191
E CHECK SOLUTIONS
3917 Knickerbocker Pkwy Raleigh NC, 27612
919-781-4344
ELITE VALUE CARDS
3030 Capital Blvd Raleigh NC, 27604
919-875-8883
Envios Rapidos Inc
3937 New Bern Avenue Raleigh NC, 27610
919-212-6717
First American Cash Advance
3585 Maitland Drive Raleigh NC, 27610
919-255-1630
Great Stops
8105 Falls Of Neuse Road Raleigh NC, 27615
919-846-6061
GREAT STOPS
8105 Falls of Neuse Rd Raleigh NC, 27615
919-846-6061
Instant Cash Advance
4646 Capital Boulevard Raleigh NC, 27604
919-872-2255
Jackson Hewitt Tax Service
New Bern Avenue Raleigh NC, 27601
919-231-4279
Jackson Hewitt Tax Service
Avent Fry Raleigh NC, 27601
919-786-0088
Jackson Hewitt Tax Service
Glenwood Avenue Raleigh NC, 27601
919-787-9445
Jackson Hewitt Tax Service
Capital Boulevard Raleigh NC, 27601
919-850-0582
Jackson Hewitt Tax Service
Millbrook Road Raleigh NC, 27601
919-862-2003
Jackson Hewitt Tax Service
5504 Commercial Avenue Suite 104 Raleigh NC, 27612
919-850-0582
MEXICO LINDO 2
4010 Wake Forest Rd Raleigh NC, 27609
919-981-5760
Mr Check
4630 Capital Boulevard Raleigh NC, 27604
919-954-7296
Nationwide Budget Finance
4701 Atlantic Avenue Suite 111 Raleigh NC, 27604
919-872-9216
Nationwide Budget Finance
1314 New Bern Avenue Raleigh NC, 27610
919-829-0077
Nationwide Budget Finance Store 414
4701 Atlantic Avenue Suite 111 Raleigh NC, 27604
919-402-1985
New Bern Check Cashing
1609 New Bern Ave Raleigh NC, 27610
919-836-1699
New Bern Check Cashing
1609 New Bern Avenue Raleigh NC, 27610
919-836-1699
Paycheck Advance
4644 Capital Blvd Raleigh NC, 27604
919-872-7806
PLAZA WEST JEWELRY & LOAN INC
133 Jones Franklin Rd Raleigh NC, 27606
919-859-3325
Raleigh Check Cashing
1100 N Raleigh Blvd Ste 1 Raleigh NC, 27610
919-832-4002
Raleigh Check Cashing
1410 New Bern Avenue Raleigh NC, 27610
919-838-6666
Raleigh Check Cashing
520 West South Street Raleigh NC, 27601
919-836-5556
Raleigh Check Cashing
1100 North Raleigh Boulevard Suite 112 Raleigh NC, 27610
919-832-4002
Raleigh Check Cashing
1904 South Wilmington Street Raleigh NC, 27603
919-274-9981
RALEIGH CHECK CASHING
4809 Fayetteville Rd Raleigh NC, 27603
919-329-7100
Raleigh Durham Check Cashiers
2235 New Hope Church Rd Raleigh NC, 27604
919-235-4520
Raleigh Durham Check Cashiers
2235 New Hope Church Road Raleigh NC, 27604
919-235-4520
Rusty Mclamb
4205 Pleasant Valley Rd Raleigh NC, 27612
919-784-0330
U S MARKETING LLC
4915 Waters Edge Dr Raleigh NC, 27606
919-859-7411
US CARD SOURCE
4205 Pleasant Valley Rd Raleigh NC, 27612
919-872-2255

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