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Time Financing Service
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About Time Financing Service

For almost 50 years, Time Financing Service has been providing personal cash loans to customers throughout North Carolina. We offer professional service, fast approvals, and competitive interest rates. In addition to cash loans, we also work with car dealers and furniture distributors for auto and furniture loans.

We provide our clients with three safe and secure application options. You can call one of our locations, fill out an online application, or stop by one of our offices and a knowledgeable associate will walk you through the process. Check out our 24 locations to see which one is most convenient for you.

  • 50 Years of Outstanding Service
  • Fast Personal Loan Approvals
  • Three Ways to Submit an Application
  • Responsible Lending Practices

To qualify for a personal loan, you must live within 25 miles of one of our locations and have a valid North Carolina photo ID. A valid Virginia ID is also acceptable if you live in Virginia and you are within 25 miles of one of our offices.

At Time Financing Service, we pride ourselves on being responsible lenders. Our interest rates and our lending practices are governed by the North Carolina General Statutes for Consumer Finance Companies. Be sure to take a look at these resources for more information on personal loans and ways to protect you from lenders who do not have to follow current state laws.


If you've had a good experience with us and you'd like to share it, please let us know by submitting a testimonial. We'll publish your testimonial right here on our site, and all of your personal information will remain completely private. Regardless of your experience, your testimonial can help make sure everyone else's experience will be great.

Submit Your Testimonial Here

"The ladies working in New Bern are the best. They are nice, very professional, and fast and I actually enjoy going in to pay my bill and to say hello. Thanks, Time Financing Service."
-New Bern, NC 2016

"All the folks there are great, always willing to try and work with you while providing courteous and friendly service!"
-Winston-Salem, NC 2016 

"I just went in to refinance my loan and the lady that helped me was nothing shy of great. She was very friendly and provided superb customer service. The whole team is ALWAYS there to help when you're in a financial bind. I would recommend this place to anyone who need a loan. Thank you!!"
– Greensboro, NC 2016

"The representative I met with was very professional, but he was also very sociable, kind and thoughtful. While we talked casually, he was still focused on reviewing my application. He represented your company very efficiently! Thanks for getting me the money I need to help my grandson buy his first car!" 
– Washington, NC 2016

"Each of the three representatives I met were a pleasure to work with. They have always helped me with professional yet friendly and caring customer service in a timely manner. It's so good to be able to call and speak with anyone in the office and get a courteous answer to my question and a quick result to my request. It's refreshing to not get the run-around or be put off and ignored as so often happens in other businesses. Thanks to all of the great people in the Plymouth office!" 
– Plymouth, NC 2016

"I just absolutely love this place! The people are friendly and the service is amazing!" 
– Williamston, NC 2016

"We had to replace our heating and A/C unit just before the holidays and did not have extra money for the kids. The representative in the New Bern office went above and beyond to secure a loan for me, and I really appreciate what she did. She is my Santa this year! Thanks, Time Financing Service." 
– New Bern, NC 2016

"I just would like to compliment the friendliness and courtesy shown to me on 08/05/15 and 08/06/15. I met with several representatives and I received customer service from all three. It was difficult enough having to go visit your establishment but they were all quite understanding and they all made the visit not as unbearable as I was prepared for. Thank you for having such compassionate employees." 
– Greenville, NC 2015

“The representative I met with had an excellent attitude and great customer service. She was very professional and polite when I had to refinance my loan. Keep up the good job!”  
– Fayetteville, NC 2015

“I just want to say that your staff is exceptional at this branch. I have never had such wonderful customer service in dealing with any finance company. They definitely have the home town hospitality.” 
– Roxboro, NC 2015

“I just wanted to say how polite and prompt the store manager was in getting back with me regarding my approved application.” 
– Kinston, NC 2015

“I have been doing business with Time Finance for many years now. I am a single mother who works hard & rarely receives child support. So when hard times hit they hit HARD. I cannot count the number of times that I have had to borrow money, not to mention have fallen behind on my payments and needed help/ time to catch them up & in my years of doing business with your Wilmington branch I have ALWAYS received the absolute BEST treatment from everyone. I work in customer service on a daily basis and I cannot say enough about this branch. The entire crew is friendly, helpful, kind, understanding & professional.” 
– Wilmington, NC 2015

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