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.
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Small Personal Loan

Many people struggle day to day with making payments to lenders or having the cash necessary to manage an emergency. You just wish you had a bit of money to help you get caught up, but you lack collateral to back up a loan. What can you do? In this situation, a personal loan from Time Financing Service ® may be a good option. Our loans can provide you with the financial support you need with easier qualifications.

What Is a Personal Loan?

By definition, a personal loan is any money borrowed without the use of collateral. Collateral is a type of valuable asset used to secure the loan.  For example, to buy a car, you obtain an asset-backed car loan. If you stop making payments on the loan, the lender can force the sale of the car to recoup its investment. With a personal loan, however, there is no asset.

Obtaining a loan by a traditional bank or lender can be difficult. At Time Financing Service ®, we specialize in helping individuals with poor or no credit history to obtain the loan they need, usually within 24 hours.

How Can a Personal Loan Help You?

Consumers can use a personal loan for many things. It can be wise to use these funds to build an emergency savings account or fund a car repair. Other ways to use these loans may include:

  • Paying down medical bills
  • Consolidating bills
  • Taking a family vacation
  • Starting a business or fund a hobby
  • Handle home remodeling projects

There are many ways to use your personal loan. Consumers should make wise financial decisions for themselves here. However, most lenders allow you to use the funds as you need to.

What Type of Personal Loan Is Right for You?

Choosing the best personal loan to fit your financial needs is important. To make an investment decision consider various types based on:

  • The amount you can borrow
  • The repayment time period
  • The interest rate on the loan
  • The ease of obtaining them (if you have poor credit, look for a specific personal loan for people with bad credit)
  • Any fees associated with the loan

An online personal loan is one of the best types for most consumers because it allows you to apply right at home and without any risk. Though traditional lenders may offer short-term loans or those with limited borrowing limits, online loans typically offer more flexibility here.

How Can Time Financing Service ® Help You with a Personal Loan?

We’re committed to helping hard-working people to obtain the personal loan they need. At Time Financing Service ®, we look beyond credit scores. This means that a personal loan for people with bad credit may be available to you. We encourage you to apply online now to learn how to obtain this type of financing. Then, use it as you need to improve your financial future.

About Time Financing Service ®

For nearly 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 20 locations to see which one is most convenient for you.

  • Nearly 50 Years of Service
  • Fast Loan Approvals
  • Three Ways to Submit and Application
  • Responsible Lending

To qualify for a personal loan, you must live within 25 miles of one of our locations and have valid North Carolina photo Identification. 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.