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 →

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.

What is a Cash Loan?

A cash loan, sometimes referred to as a personal loan, is a type of secured or unsecured loan that is designed for those in need of quick cash with little hassle. Unlike with a “traditional” loan, which requires you to go through a lengthy application and approval process through a bank, these loans are much easier to get approved for, with approvals at Time Financing Service ® often happening within an hour of submitting an application. This, combined with the minimal credit requirements involved in taking out a personal loan, make this a great option for those with bad credit but are in need of quick cash.

How to Apply for a Cash Loan

So, what do you need to submit your application for a loan? We strive to make the application as easy, fast, and stress-free as possible. For your convenience, you can fill out your application online.

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

Simply fill out your application on our website. The process takes just a few minutes, and most applicants will receive their decision within an hour or less. You’ll receive your loan payment in the form of a check, which you can cash or deposit immediately.

Cash Loans Near Me

If you’d prefer to fill out a paper application, you’re also welcome to stop by one of our many convenient locations. Wondering, “where can I find cash loans near me?” Simply enter your ZIP code on our locations page to get started.

How Can I Use my Cash Loan?

The potential uses for your cash loan are more-or-less limitless. Many people who borrow loans from us use their funds to cover bills or other unforeseen expenses when money is tight. Others may choose to use their loan towards the purchase of a new, reliable car to get them to and from work or other important obligations. You can even use the money from your loan to purchase holiday gifts or take that family vacation you’ve been dreaming of. We offer a variety of repayment plans to suit your needs, so you can decide which options will best suit your budget and lifestyle.

About Time Financing Service ®

For over 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 many locations to see which one is most convenient for you.

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.