Payday Loans in Charlotte, NC | Cash Advance in Charlotte, NC

Home » Payday Loans in Charlotte, NC | Cash Advance in Charlotte, NC


Are you dealing with some unexpected money problems? Do you need a little extra cash to cover a shortfall until you get your next payday? Do you have a good income but are dealing with some temporary financial setbacks? Do you need some cash to repair your car?

A payday loan could be the solution you have been looking for to solve your short-term cash issues.

Charlotte, NC Cash Advances Online

A payday advance (also called a payday loan) is a small, short-term cash advance that can be used to help cover unexpected expenses. Payday loans are intended to be used on a short-term basis (for a couple of weeks) and were not created to be utilized for long-term financing for large purchases like a house or a car. Payday loans are a safe and practical way to access same-day cash that can help you cover small, unexpected expenses. Whether you’re struggling to pay your bills or simply have surprise car or house repairs, Payday Loans in Charlotte can assist you.

Charlotte is the most populous city in North Carolina and the seat of Mecklenburg County. As of 2019 estimates, more than 850,000 people live in Charlotte, making it the 15th largest city in the United States. Charlotte was ranked as the fastest growing region from 2004-2014, as many millennials flocked to the city.

Charlotte has a thriving and diversified economy, including being home to the second largest banking center in the United States after New York City. As of 2019, Charlotte is home to 7 Fortune 500 companies, including Bank of America, Honeywell, Nucor, Lowe’s, Duke Energy, Sonic Automotive and Brighthouse Financial. Charlotte is also a major hub for the U.S. motorsports industry, hosting the country’s only Formula One team. Some of the other largest employers in the area include Atrium Health, Charlotte-Mecklenburg Schools, the city and the county, Carowinds, UNC Charlotte, Central Piedmont Community College, and Belk.

Even if you have a great job working at one of the institutions mentioned above, or another great company like Wal-Mart, Target, or Starbucks, you may find yourself with unexpected bills and without the cash you need to pay them. If that happens, a payday loan can help you bridge the gap and get you back on firm financial footing. If you have a steady job with a consistent paycheck, a payday loan can provide money fast to cover an unexpected expense.

Just how much can I borrow in Charlotte, NC?

Charlotte cash advances can range from $50 to $1,000 (or more) depending on a few factors such as your state of residence, your income, and your employment status. The qualifications for payday loans are less strict than for traditional loans like a mortgage or an auto loan. Those loans require a significant underwriting process, meaning the lender will have to do a significant and thorough credit check on you and your finances. Payday loans are much simpler to underwrite and access.

When you apply through our online application, we will quickly connect you with our network of local lenders to get the same day cash you need. In exchange for providing the cash advance to you, one of our lenders will charge you a small fee in the form of interest costs. The interest as well as the initial amount borrowed (the principal) will be due to be paid back to the lender on your next payday.

If you need a little extra money to tide you over until your next payday, a fast and easy cash advance may provide the perfect temporary solution. With Direct Payday Loans, you can:

  • Get same-day cash, usually within minutes
  • Review and understand plain and simple terms and conditions
  • Access a quick and easy payday loan (payday advance)
  • All without needing to use a paper check or fax documents

Responsible Borrowing

At Direct Payday Loans, we encourage all clients to borrow responsibly. It is essential to have a budget and spending plan before talking with lenders or accessing a payday loan. Without a plan, it can be difficult to pay back your loan on time when it comes due. This can lead to a cycle of loans that costs you significantly more than you planned in the long run. Be sure to consider your full financial situation before agreeing to take on a payday loan.

We encourage each and every client to estimate the amount of their next paycheck and calculate how much they will be able to pay to the lenders on their next payday. Be sure to include your normal household expenses in your spending plan, as you want to be able to pay for rent and groceries in addition to your loan principal and interest.

Many lenders will allow you to renew your loan with them if you can not pay it back in full on your next payday. At Direct Payday Loans, we advise that you try with all your might to avoid renewing loans with lenders, as it may lead you into a cycle that costs you a lot of money in the long-term. Think through your full situation, both income and expenses, before accessing a payday loan.

Bad credit? Not an issue in Charlotte

Many people think that they will not be able to access a payday advance because they don’t have a good credit score. Simply put, that is usually not the case.

Payday loans are not like home or auto loans, which are secured by the asset you are borrowing against (the house or the car). Payday loans are unsecured, personal loans that are backed by your income, or more specifically your next paycheck. Our network lenders understand this situation and often can still provide great loans to people without great credit scores.

In most cases, the lenders underwrite the loans using your income, your time at your job, and a few other factors. Most lenders do not even need to pull your credit report, so do not worry if you have a low (or no) credit score. For special situations such as amounts larger than $1,000, some lenders may need to pull your credit report.

Other people think that they will need a fax machine to prove their identity, but that is not the case with Direct Payday Loans. Faxless payday advances allow anyone with internet access to access quick cash through a payday loan. Many kinds of online loans require proof of identity which implies faxing documents. At Direct Payday Loans, we offer faxless payday advances, so you can access cash as quickly and easily as possible.

Easy Online Application – Instant Approvals For Charlotte Residents

We have worked very hard to make the online application process as quick and easy for you as possible. In fact, you can complete the online application in minutes and get an instant decision – click here to apply for a short term loan online in Charlotte. Make sure you have your social security number, source of income, and banking information available while filling out the application.

Direct Payday Loans Online in Charlotte: money when you need it most.

Payday Loans Near Me in Charlotte, NC

In our opinion, the best way to apply for a payday loan is online through Direct Payday Loans. Why? It is the simplest and easiest option to access same-day cash. Not only will it save you time, but it will probably save you money as well.

One of the most important steps to take when applying for a payday loan is to compare rates, fees, and terms of different lenders. In the past, this was very difficult, as it required driving or calling between a bunch of different local lenders to see what they would offer you.

Not anymore! With Direct Payday Loans, you can apply online from the comfort of your home and receive multiple offers from different lenders. This allows you to compare all the offers without having to waste a bunch of time. Then, you can choose the lender that matches your needs and move forward right away.

Plus, online lenders do not have to pay rent for storefronts. When you visit a store, they may have to pass on these significant rent costs to you in the form of higher interest rates or other fees. Make sure you understand all the terms and conditions before agreeing to a loan.

Still, we know some people will want to do their business in person, so we have compiled a local list of payday lenders in Charlotte, North Carolina to help you with your search.

Ace Cash Express

As of March 2021, Ace Cash Express has 9 locations in and around the Charlotte region, including near uptown, in Cotswold, and in Lincoln Heights. Ace Cash Express is a national retailer for payday loans, with locations all over the country. The locations in Charlotte have mostly good reviews, but some stores are better than others.

2706 Freedom Dr #B
Charlotte, NC 28208
(704) 399-4433

Cash Fast Loan Centers

As of March 2021, Cash Fast Loan Centers have 2 locations in the Charlotte metropolitan area, including just across the border in Fort Mill, South Carolina next to Carowinds. The location has pretty good online reviews, with some customers noting some good customer service. Other reviewers were disappointed with the high interest charges and lack of professionalism. Cash Fast also offers title loans.

377 Rubin Center Drive Ste 111,
Fort Mill, SC 29708
(704) 399-0191