Time Financing Service® is committed to continue providing for our customers during these difficult and uncertain times. At this time, our branches remain open and will operate under normal business hours, so that we can continue to help the communities we serve. Any changes made due to the pandemic will be announced here.
Read more about our COVID-19 policy here →

Simple Ways to Sharpen Your Financial Skills

Even as an adult with a steady job, it can be difficult to properly manage your finances. Maintaining a healthy financial life requires discipline and attention to detail. Thankfully, there are some simple things you can start doing right away to improve your money management skills and set yourself up for a brighter tomorrow.

Get Organized

One of the easiest ways to sharpen your money management skills is to put things in writing. This means writing out all your monthly expenses and income. Seeing this information on paper will help you find ways to cut back on spending, including subscription services you no longer use. It’s all about laying everything out in front of you so that you can make adjustments and get closer to your long-term goals.

You might also consider creating a financial calendar with reminders for paying bills, quarterly taxes, or other recurring expenses. It’s also a good idea to check your credit report on a regular basis, so find space on your calendar for doing so.

Budget for Fun

It might seem counter-intuitive to carefully plan for fun activities, but it’s an essential element of successful budgeting. Carving out some space in your budget for leisure is a great way to achieve a solid work/life balance. You might include anything from family vacations and sporting events to video games and other hobbies in this category. Including fun and relaxing activities in your monthly budget will help inspire you to stay on track with your other expenses as well. Being fiscally responsible doesn’t have to be all business and no pleasure.

Use Autopay to Your Advantage

Paying bills automatically is a great way to relieve some recurring stress, but there are some other benefits as well. When your payments are always set to arrive right on time, credit scoring agencies take notice. You also won’t be tempted to spend money that needs to go toward bills when you know that payments are already set up. Using autopay is a great way to ease your mind and bolster your credit report at the same time.

Create (and Fund) a Savings Account

There’s just no substitute for saving money when it comes to overall financial well-being. Opening and regularly funding a savings account is the ideal way to set yourself up for the future. It’s also a great way to safeguard against unexpected expenses that could otherwise put your financial health in jeopardy. Whether you consider it an emergency fund or a starting point to a long-term savings goal, you’ll be in a much better position if you begin putting money away

today. Contributing about 10 percent of every paycheck to your savings account is a great place to start.

Here at Time Financing Service, we want to help you achieve more financial freedom and live a richer life. Whether you need a personal loan to consolidate debt, make a major purchase, or just put yourself in a better position for the future, our team has the expertise to guide you through the process.

The Basics and Benefits of Personal Loans

A personal loan is a form of credit that can serve many purposes. These types of loans usually have lower interest rates than credit cards, which makes them powerful financial tools with a wide range of uses. When you apply for a personal loan, you ask to borrow a specific sum from a lending institution and pay it back in fixed installments with interest. Before applying, it’s important to check your credit report and have a full understanding of where you stand financially.

Here at Time Financing Service, we can help you make the best financial decisions for your unique needs. With that in mind, here are a few positives that can come with securing a personal loan:

  • Building Credit: When you take out a personal loan, you make regular payments that are reported to the three major credit bureaus. Making on-time payments on a consistent basis will build up your credit score and put you in a better position for future financial transactions.
  • Consolidating Debt: A personal loan can be used to streamline finances by combining multiple loans or credit card balances into a single payment. Rather than rack up interest on several accounts, you can focus on one regular bill at a lower rate. This will greatly improve your financial big picture.
  • Improving Financial Management Skills: Consolidating your credit cards and loans into one monthly payment doesn’t just ease your mind; it can help you develop better financial habits across the board. Budgeting for one payment allows you to plan all your other expenses in a more responsible manner. As you pay your personal loan back, you can feel good about sharpening your fiscal skills along the way.
  • Paying for Unexpected Expenses: Sometimes life interferes with your budget. If you need to pay for unexpected expenses such as medical bills, car repairs, or broken appliances, it’s nice to have access to funds without depleting your savings. Being able to pay for these surprise expenses with structured payments at a low interest rate can take some of the stress out of the experience.
  • Turning Dreams Into Reality: One of the best things about personal loans is how versatile they are. Along with consolidating debt and covering unexpected expenses, you can also fund everything from home improvement projects to dream weddings with your loan.
  • Enjoying More Flexibility: This goes for both your own monthly finances and the loan itself. You’ll find a wide range of interest rates, borrowing limits, and loan lengths to suit your unique situation. Whatever your goals are, do your homework so that you can maximize the money you borrow.

Securing a personal loan can be your ticket to a healthier financial life. Whether you want to manage your debt, make a large purchase, or deal with an unexpected expense, a personal

loan might be exactly what you need. If you’re ready to explore your options, contact us at Time Financing Service. Our experts are ready to help you find the best path forward.

Summertime Shopping, Remodeling & Travel

As summer is close to setting in (June 21st) we start to think about summer planning in some form. Whether it’s thinking about a new wardrobe, a family vacation, or some remodeling, we all have some ideas about where to start. For some, it’s all of the above & more. If you’re a parent, new clothes for your children comes up closer to the end of summer when school is about to start. All in all, these are common needs that each of us usually have at some point in time in our lives. The challenge is being able to pay or finance these necessities, especially if they arrive in threes or all at once.
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Your Summer Car Project: Getting Approved

We all use our vehicles in different ways, each and every day, and for different purposes. Some of us view them as appliances, while others, accessories to their personalities. They come in all shapes and sizes, for various reasons, usually to achieve an objective and to get a job done. Heaped in to the group, we also have genuine car people. This includes the classic and occasionally mentioned “mystical bond” we have with these machines. Something about them speaks to us as individuals, and we go down a path of adventure, filled with ups and downs, some of which require cash loans for cars that need a little love.
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4 Ways to Save on a Family Vacation Without Skimping on the Fun!

While we all look forward to time off with our families, it can be a daunting task to plan a fun-filled vacation and stay within a reasonable budget. Expenses add up quickly, between accommodations, vehicle rental, ticket and entrance fees, meals and even animal-sitting costs, you can find yourself out-at-sea and needing a loan very quickly. Here are 4 ideas we have put together to help maximize your family trip without draining your pocket:

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Giving Back this Holiday Season

Here at Time Financing Service ®, we are committed to our community, especially during the holiday season. That’s why we are now accepting new, unwrapped toys as well as non-perishable food items that will be distributed throughout our community to those in need this Christmas.
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Same Day Loans

If you are looking for a cash loan today don’t search any further. Here at Time Financing Service ®, we specialize in same day loans with amounts ranging from $1,000 to $10,000. Our rates are highly competitive and are governed by the state of North Carolina, which protects you!

Fast Loan Approvals

If you are looking for a cash loan today, Time Financing Service ® can help. We’ll quickly review your information, and in most cases, you can pick up your personal loan in an hour. In some cases we can offer you a next day loan. We are easy to find with our many convenient locations spread throughout eastern and central North Carolina.

How to Qualify for a Same Day Loan

At Time Financing Service ®, our loan approvals are based on several requirements that are unique to each individual. We will work to try to find a way to make you a same day loan. We have a Fair Lending policy and regularly work with individuals who may have bad credit to get them a loan today.

Part of our general guidelines for a personal loan are:

  • You must be over the age of 18
  • Live within 50 miles of one of our locations
  • Have a valid North Carolina or Virginia photo ID
  • Provide verification of income
  • Have two current open lines of credit

What You Can use Your Same Day Loan For

If you’re approved for your same day cash loan, you can use the money for anything, including:

  • Holiday Gifts
  • Medical Bills
  • Car Repairs
  • Vacations
  • Bill Consolidation
  • Home Appliances
  • Other Spending

For more information about payment periods, rates and loan cost, please visit our Fair Lending page or call your local Time Financing Service ® office for assistance.


Hot Summer Looks That Won’t Drain Your Bank Account

As the warm air of summer finally surrounds you, it’s time to start showing off your fun and flirty wardrobe. Whether you are heading out for an afternoon of wine-tasting with your best girls, or you have a date on the dock with a fresh love, you are going to want to look your best without breaking the bank.
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When Bill Consolidation Is Right For You

Keeping up with your monthly payments can be a hard task to track, especially if you are paying off multiple loans at one time. Between college loans, credit card debt, or a car payment those monthly payments can add up. Maybe it’s time to consider consolidating. At Time Financing Service ® we offer same day, fast cash loans you can use for almost anything, including paying off personal debt.
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Cash Loan

Whether an unexpected expense has left you strapped for cash or you’re simply looking for a little bit of a financial “cushion” to get you by, a short-term loan can be a great option. Specifically, taking out a cash loan from Time Financing Service ® is an option for borrowing the money you need the same-day or within just 24 hours. If you need cash for any reason, now is the time to look into applying for a loan securely and easily on our website.
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