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 →

Same-Day Cash Loans

It's Time to Get Ahead

Peace for today.
Confidence for tomorrow.

Loans Up to $10,000

We'll treat you with the dignity and respect you deserve!

With local branches all throughout the region, our professional and knowledgeable staff are ready to serve you.

Our easy, 3-step process:


Apply Now

Fill out the application online, by phone, or in-store.


Get Approved

One-hour loan approval and same-day cash!


Live Better

It's time to get ahead of the stress and worry.

We've loaned more than $100 million to help 40,000+ people get ahead.

Now It's Your Time.

5 Star Rating

Love this company. Always has great customer service. Always there for their customers.
—Sabrina Medina
Raleigh, NC

5 Star Rating

Great group of people with the answers you have, with the respect that you deserve to help you out in your time of need.
⁠—Johnny Tynch
Greenville, NC

5 Star Rating

I got the loan I needed for my vehicle repair in less than 30 minutes out the door. Thank you, Time Finance.
⁠—Anthony Monroe
Fayetteville, NC

Apply Online

  • If you are looking to refinance your current loan, or seeking a new loan, please call your local branch office to discuss options.

    You can also continue to apply online by filling out the form below.

  • The minimum amount for new loans is $1,000.
    Please enter a number from 100 to 10000.

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

Minimum Requirements for Loan Eligibility: You must be at least 18 years old. Our minimum loan amount is $1000.00 and our maximum loan amount is $10,000. You will not be eligible if you are currently in bankruptcy. You must live in an area we provide lending services. If you fail to satisfy any of the minimum requirements for loan eligibility, we will inform you that we cannot move forward with your loan application and state the reason or reasons why we cannot. If you fail to meet any minimum requirements we will not obtain a Consumer Credit Report as part of this process.

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives from any public assistance program; or because the applicant has in good faith exercised any right under Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is:

Consumer Financial Protection Bureau (CFPB)
PO Box 4503
Iowa City, IA 52244