North Carolina Cash Advance and Payday Loans

What are the minimum requirements to apply for a payday loan?

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Are you looking for an online payday loan in North Carolina? Submit the easy form and if approved we can connect to dozens of lenders that may be able to lend you up to $1,000!

 

 

The basics of how payday loans work.

If you have found yourself in a financially tough spot, it can be overwhelming trying to figure out how you are going to manage your way through it. Luckily, payday loans serve as a wonderful guide to help navigate individuals through an economic crisis. They can prove to be especially helpful to those with bankruptcy on their credit score or to those with bad credit or none at all. Payday loan lenders do not require a credit check in order to dictate approval. Rather, the borrower’s pay check serves as collateral to ensure the payday loan will be repaid upon the upcoming pay date; thus the name ‘payday loan.’

The information below provides a quick overview of commonly asked questions people often have regarding payday loans.

What is a payday loan?
A payday loan is a loan offered on a short-term basis, typically set to be repaid upon the borrower’s next pay date.

How long does it take to get a payday loan in North Carolina?
Payday loans are designed to be quick in all aspects. In most cases, the application takes only a matter of minutes to complete. The approval process and transfer of your loan is done in just a few short hours; most people are able to access their payday loan by the following business day.

How much money can I borrow?
The amount of money you may borrow is dependent on a number of factors. In any case, it is advised that you figure how much you need beforehand to avoid taking out more than you need. This will save you from having to pay interest on money that you don’t need to borrow.

When does my payday loan need to be repaid?
Payday loans are usually set to be repaid upon the borrower receiving their next paycheck, thus the name ‘payday loan.’ However, if more time is needed to gather the money to repay the loan, lenders do allow an extension or rollover of the payday loan. The laws regarding rollovers vary by state so make sure to check your local laws beforehand.

I have been rejected by other lenders in North Carolina, why will I be approved for a payday loan?
Many people who apply for credit cards or large loans from banks or other lending institutions find it harder to be approved for a loan. In most instances, their credit score plays a major influence when factoring in a customer’s credit worthiness. However, payday loans do not require a credit check so many people who have struggles securing a loan elsewhere often find approval with payday loans. Due to the short turnaround of payday loans, the borrower’s paycheck serves as collateral on the loan so no credit check needs to be performed.

We cover following cities in North Carolina:

Aberdeen
Ahoskie
Albemarle
Andrews
Angier
Apex
Archdale
Archer Lodge
Asheboro
Asheville
Atlantic Beach
Avery Creek
Ayden
Badin
Balfour
Banner Elk
Barker Heights
Bayshore
Beaufort
Belhaven
Belmont
Belville
Benson
Bent Creek
Bermuda Run
Bessemer City
Bethel
Bethlehem
Beulaville
Biltmore Forest
Biscoe
Black Mountain
Blowing Rock
Boiling Spring Lakes
Boiling Springs
Boone
Boonville
Brevard
Brices Creek
Broad Creek
Broadway
Brogden
Bryson City
Buies Creek
Burgaw
Burlington
Butner
Buxton
Cajah's Mountain
Calabash
Canton
Carolina Beach
Carolina Shores
Carrboro
Carthage
Cary
Cedar Point
Chadbourn
Chapel Hill
Charlotte
Cherokee
Cherryville
China Grove
Clayton
Clemmons
Clinton
Coats
Concord
Connelly Springs
Conover
Cordova
Cornelius
Cove Creek
Cramerton
Creedmoor
Cricket
Cullowhee
Dallas
Dana
Davidson
Denver
Dobson
Drexel
Dunn
Durham
East Flat Rock
Eastover
East Rockingham
East Spencer
Eden
Edenton
Edneyville
Elizabeth City
Elizabethtown
Elkin
Ellerbe
Elm City
Elon
Elroy
Emerald Isle
Enfield
Enochville
Erwin
Etowah
Fairfield Harbour
Fairmont
Fairplains
Farmville
Fayetteville
Fearrington Village
Flat Rock
Fletcher
Forest City
Forest Oaks
Four Oaks
Franklin
Franklinton
Franklinville
Fruitland
Fuquay Varina
Gamewell
Garner
Gaston
Gastonia
Gibsonville
Glen Alpine
Glen Raven
Goldsboro
Gorman
Graham
Granite Falls
Granite Quarry
Green Level
Greensboro
Greenville
Grifton
Half Moon
Hamlet
Hampstead
Harkers Island
Harrisburg
Havelock
Haw River
Hemby Bridge
Henderson
Hendersonville
Hertford
Hickory
High Point
Hildebran
Hillsborough
Holly Ridge
Holly Springs
Hoopers Creek
Hope Mills
Horse Shoe
Hudson
Huntersville
Icard
Indian Trail
Jacksonville
James City
Jamestown
Jefferson
Jonesville
Kannapolis
Kenly
Kernersville
Kill Devil Hills
King
Kings Grant
Kings Mountain
Kinston
Kitty Hawk
Knightdale
Kure Beach
La Grange
Lake Junaluska
Lake Norman of Catawba
Lake Park
Lake Royale
Landis
Laurel Park
Laurinburg
Leland
Lenoir
Lewisville
Lexington
Lillington
Lincolnton
Locust
Long View
Louisburg
Lowell
Lowesville
Lucama
Lumberton
Madison
Maggie Valley
Maiden
Mamers
Manns Harbor
Manteo
Marion
Mar Mac
Mars Hill
Marshville
Marvin
Matthews
Maury
Maxton
Mayodan
Mebane
Midway
Millers Creek
Mills River
Mineral Springs
Mint Hill
Mocksville
Monroe
Mooresville
Moravian Falls
Morehead City
Morganton
Morrisville
Mount Airy
Mount Gilead
Mount Holly
Mount Olive
Mount Pleasant
Moyock
Mulberry
Murphy
Murraysville
Myrtle Grove
Nags Head
Nashville
Navassa
Neuse Forest
New Bern
Newport
Newton
Norlina
Northchase
Northlakes
North Wilkesboro
Norwood
Oakboro
Oak Island
Oak Ridge
Ogden
Oxford
Pembroke
Pinebluff
Pinehurst
Pine Knoll Shores
Pine Level
Pinetops
Pineville
Piney Green
Pittsboro
Plain View
Pleasant Garden
Plymouth
Polkton
Porters Neck
Princeville
Pumpkin Center
Raeford
Raleigh
Ramseur
Randleman
Ranlo
Red Oak
Red Springs
Reidsville
Rhodhiss
Richlands
River Bend
River Road
Roanoke Rapids
Robersonville
Rockfish
Rockingham
Rockwell
Rocky Mount
Rocky Point
Rolesville
Roseboro
Rose Hill
Rowland
Roxboro
Royal Pines
Rural Hall
Rutherfordton
Salem
Salisbury
Sanford
Sawmills
Saxapahaw
Scotland Neck
Sea Breeze
Selma
Seven Lakes
Shallotte
Sharpsburg
Shelby
Siler City
Silver Lake
Skippers Corner
Smithfield
Sneads Ferry
Snow Hill
Southern Pines
Southern Shores
Southmont
Southport
South Rosemary
Spencer
Spindale
Spring Hope
Spring Lake
Spruce Pine
Stallings
Stanfield
Stanley
Statesville
Stedman
St. James
Stokesdale
Stoneville
Stony Point
St. Stephens
Summerfield
Sunset Beach
Surf City
Swannanoa
Swansboro
Swepsonville
Sylva
Tabor City
Tarboro
Thomasville
Toast
Tobaccoville
Trent Woods
Trinity
Troutman
Troy
Tryon
Tyro
Unionville
Valdese
Valley Hill
Vanceboro
Vander
Wadesboro
Wake Forest
Walkertown
Wallace
Wallburg
Walnut Cove
Wanchese
Warsaw
Waxhaw
Waynesville
Weaverville
Weddington
Welcome
Weldon
Wendell
Wentworth
Wesley Chapel
West Canton
West Jefferson
West Marion
Westport
Whispering Pines
White Plains
Whiteville
Wilkesboro
Williamston
Wilmington
Wilson
Wilson's Mills
Windsor
Wingate
Winston-Salem
Winterville
Woodfin
Wrightsboro
Wrightsville Beach
Yadkinville
Yanceyville
Youngsville
Zebulon