We provide personal loans from $1,000 to $10,000. The size of the loan you receive may depend on your ability to repay the loan and the collateral used. The most common types of collateral used are personal property and automobiles. We also work with car dealers and furniture distributors to help finance auto purchases up to $15,000 and furniture purchases up to $5,000. You’ll receive the money in the form of a check you can cash.
How long does it take?
In most cases loan approval takes about an hour, so you can get the money you need the same day you submit your application. Once you receive confirmation of your approval, you can stop by your nearest office and pick up your check.
How do I apply?
There are three ways to apply for a cash loan: complete the secure, online application; call us, and a representative will fill out an application over the phone; or stop by one of our branches and complete an application in person.
Will I qualify?
Loan approvals are based on a variety of circumstances that are unique to each individual, but we will work to try to find a way to make you a loan. We have a liberal loan policy and regularly work with individuals who may not have perfect credit. We do have a few mandatory requirements:
What should I bring when I come into a Time Financing Service location?
Valid photo ID
What will my interest rate be?
Interest rates vary and are based on the size of the loan, but our rates are highly competitive and are governed by the North Carolina General Statutes for Consumer Finance Companies. If you want to get an idea of what your monthly payment might be, talk with one of our representatives.
How do I repay my loan?
We offer three easy ways to make payments on your loan.
Absolutely! We understand that saving for a family vacation can be extremely difficult, that’s why the cash you receive from Time Financing Service can be used for almost anything. We’re flexible even when your schedule can’t be.
Yes, you can! In fact, the holiday season is a great time to get a loan from us. Get the money you need now to take care of your family's wish list, and pay it back over time with our comfortable repayment plan.
You can receive a cash loan of up to $10,000, which you can use towards the purchase of a new car. Time Financing Service has also worked directly with car dealers. For more information, please contact your local branch.
Personal loans, also called cash loans, can be used for almost anything. In fact, Christmas and the holiday season is a perfect time for a fast personal loan to pay for all of those holiday gifts. Some of the other things you can use your loan for include:
Congratulations, although it isn’t a cashable check, it does mean that you are already prequalified for the amount indicated—and you could be eligible for even more! Stop by one of our locations to see how much you qualify for. Click here to learn more about this mailer.
What if I have additional questions?
Contact us! Check our Locations page to find the phone number for the nearest office, fill out the contact form online, or stop by a branch and one of our knowledgeable associates will help you with any additional questions you may have.