Payday Loans in Gastonia, North Carolina

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Payday Loan Companies in Gastonia, NC

Company nameAddressZip codePhone number
ACE Cash Express 2597 W Franklin Blvd 28052 +1 (704) 861 - 1965
Amity Finance, Inc. 2477 E Ozark Ave 28054 +1 (704) 867 - 3643
BB&T 120 S New Hope Rd 28054 +1 (704) 852 - 5780
Carolina Co-Op Federal Cu 1207 Bessemer City Rd 28052 +1 (704) 865 - 0001
Cash America Pawn 1304 E Franklin Blvd 28054 +1 (704) 867 - 1504
First Horizon Bank 804 S New Hope Rd 28054 +1 (704) 865 - 4202
Freddie's Check Cashing 416 S Broad St 28054
Lendmark Financial Services LLC 3916 E Franklin Blvd #130 28056 +1 (704) 899 - 5247
Nicholas Financial Inc 2425 E Franklin Blvd 28054 +1 (704) 691 - 1160
NORTH STATE ACCEPTANCE 4902 WILKINSON BLVD# A 28056 +1 (704) 879 - 7320
PLS Check Cashing 302 E Franklin Blvd 28053 +1 (704) 884 - 0041
PLS Check Cashing Store 302 E Franklin Blvd 28054 +1 (704) 884 - 0041
Regional Acceptance Corporation 609 S New Hope Rd # 101 28054 +1 (704) 854 - 4801
Regional Finance 2568 W Franklin Blvd 28052 +1 (704) 865 - 9696
Regional Finance 808 E Franklin Blvd 28054 +1 (704) 865 - 5937
Regional Finance 1941 Hoffman Rd Suite 10 28054 +1 (704) 865 - 5937
Same Day Payday Loans 825 Gibbons St 28052 +1 (980) 907 - 6256
Southern Loans, Inc 2479 E Ozark Ave 28054 +1 (704) 867 - 3643

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gastonia, NC, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Goldsboro, NC, Same Day Loans in Greensboro, NC, Guaranteed Loans in Greenville, NC, Payday Loans in Hickory, NC, Same Day Loans in High Point, NC, Quick Loan in Holly Springs, NC, 24-Hour Loan in Huntersville, NC and Emergency Loan in Indian Trail, NC. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Gastonia, NC.

Beautiful sights of Gastonia, NC

Payday Loans Available in Gastonia, NC By The Following ZIP Codes:

28055, 28056, 28051, 28054, 28052, 28053

Are Payday Loans Legal In Gastonia, North Carolina?

Payday Lending is Prohibited in North Carolina

North Carolina Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Gastonia, NC payday loan calculator

If you need cash fast and don’t have an emergency expense like paying for a hospital visit or funeral costs, you might consider getting a payday loan. These loans are popular amongst those who want to get the money they need without waiting long.

These loans can often be helpful in an emergency; you must know how much interest fees will cost over time. Interest fees on payday loans are generally very high – 89% is not unusual – so make sure before you approve one that this may not be something for your budget for the long term.

There are two kinds of payday loans that you can get – a payday loan and a cash advance loan. The two companies work the same way, but one can be more expensive than another. With a payday loan, you get to pay back the amount you borrowed throughout your next paycheck (hence the name).

A cash advance is more like an advance on your credit card – you will pay interest daily until you’ve paid off all of the money that was borrowed. It’s important to consider whether or not paying this interest fee is something that you may be able to afford or not over time.

The application process for a payday loan will generally take about 15 minutes or less. Once your application is approved, you are given the money, and from there, you have a short time to pay it back (usually two weeks). If you delay or miss payments on your payday loan, you may incur administrative fees and additional interest.

If you’re considering getting a payday loan, the best thing to do is only to use this type of credit as an emergency solution when no other option works. If possible, try to get a friend or family member that may be able to lend you the money needed. If this isn’t an option, then using a payday loan can be helpful in cases of emergency expenses.

How to Find a Good Direct Lender in Gastonia, NC, Online?

If you haven’t ever taken out a payday loan before, you may be wondering how to find a direct lender in Gastonia. The best way to find one is by doing your research online. The Internet allows you to compare rates and terms of multiple lenders quickly.

Take some time to visit online forums where people discuss the different payday lenders they have used and ask for advice on those that are good. Word of mouth can be helpful when looking for a direct lender because it can easily spread the word on which ones are reputable and those that should be avoided.

A good direct lender in Gastonia, North Carolina, will provide you with the best rates. The company should be willing to work with your current financial situation, offering a loan at a rate that you qualify for. They should also deal with you fairly and handle your loan promptly – this gives you time to pay it off as soon as possible to avoid any late fees or additional interest.

You have probably found several companies that offer payday loans in Gastonia, North Carolina. However, the minimum loan amount varies from place to place and bank to bank. Usually, the smallest amount is between $100 and $600. Some lenders can give out loans as small as $25. You should make sure that the amount of money you borrow is something you can afford to pay back when you have been given.

If you are currently in a difficult financial situation, such as being sued by a creditor or possibly even in bankruptcy, the way that a direct lender processes your loan may change. Be sure to check with your lender about any possible changes before applying for one of their loans.

Cash Advance Online in Gastonia, NC

A cash advance is a loan similar to a payday loan, but it is paid back over three months. Unlike a payday loan, the interest on cash advance loans is generally less. The same lenders like payday loans offer them, but you will often find that the direct lenders offering cash advances in Gastonia offer lower rates than those who do not.

These funds cover utility bills and unexpected expenses that you can’t wait for your paycheck to cover. If you have enough in your account to pay back this small amount, then it can help keep your finances on track. Many consumers like cash advances because they give them access to emergency funds when they need them most. 

A direct lender is a company that offers cash advances to consumers who are looking to cover unexpected expenses. These companies are often larger than those that offer payday loans, but they work similarly. The way that cash advance companies make money is by charging you interest rates on the amount of money that you borrow – this is why it’s important to look at the different lenders you have available and compare them by rates before making your decision.

Cash advance loans can be helpful if you need an extra $100 or so for some unexpected cost. But since you have to pay it back in three months, you have to be careful that this will not cause any problems for your budget.

When you take a cash advance loan, you usually have until the end of the following business week to pay it back. If needed, this can give you some time for something like an urgent car repair or something comparable.

These loans may not seem as bad or risky as a payday loans because they are not paid directly from your bank account. Instead, you will receive a check in the mail from the representative of the payday loan company. To be eligible for a cash advance loan, you will need to first must meet certain requirements:

  • You must be 18 years of age or older.
  • You must have a bank account.
  • You must be a resident of North Carolina.
  • Have an income that is at least $1,500 per month.
  • Have a stable job and a savings account.
  • Have an identification card and social security number.

Cash advance companies work on the honor system that they have received your information from another source and verify it against what is listed in official record-keeping. You should also pay attention to the amount you borrow when you take out a cash advance loan. A $100 payday loan will cost much less than one for $2,500 because you have to pay back far more than just its interest.

Can I Get a Payday Loan for Bad Credit in Gastonia, NC?

If you have bad credit, you still have options for getting a payday loan. While most direct lenders only work with customers with good credit, some will provide loans to those with bad credit. When you apply for a loan from this type of company, you must supply them with proof of your income and expenses and other documents to prove your identity.

The final decision on whether or not they will offer you a loan depends on how much they feel comfortable lending towards paying off your debt. If they feel like you can handle the monthly payments, they will likely provide the loan you need.

24 Hour Payday Loans in Gastonia, NC

A 24-hour payday loan in Gastonia, North Carolina, is an emergency financial tool available to you if you need it. These loans are generally meant for anyone with a job who can provide proof of income and who has a bank account. There are times when the person applying for the loan may have bad credit, but companies are still there that can work with them to get a payday loan.

This type of loan is offered through a direct lender, and it allows someone to borrow up to $500 or sometimes more. The funds from these loans must be paid back within two weeks or by the end of the third week in the case of an extension.

Can You Get a Payday Loan in Gastonia, NC, Without a Bank Account? 

You can get a payday loan in Gastonia, North Carolina, without a bank account, although you will need to provide the lender with another way to pay it back. This can be done by providing them with information about someone who has a bank account that you can have the money taken out.

When applying for this type of loan, you will need to have a job with a steady income and proof of employment, and verification of your identity and address.

FAQ

How Can I Get a Quick Loan in Gastonia, NC?

A quick loan with no credit check is an option if you are in debt and need cash right away. Loans on this basis are usually small, but they can help people avoid getting a payday loan. These loans can be given out anywhere from $100 to $2,000 in North Carolina, so the lender decides the amount.
Quick loans are made available through direct lenders, costing very little. You will want to be sure that the lender is known and reputable because some will charge exorbitant interest rates.

Can I Borrow $1000 with a 24-Hour Loan in Gastonia, NC?

If you need $1000 to pay off an emergency expense and are looking for a short-term loan, a 24-hour loan in Gastonia, NC, is a great option. These loans provide cash immediately to customers who have been approved. They usually have a limit of $1000 but can be more or less depending on the lender and the customer’s ability to pay it back.
You can get a 24-hour payday loan even if you don’t have great credit as long as you meet all requirements. To qualify for this kind of loan, you will need to verify your identity and income and provide your bank account information.

Are Short-term Loans in Gastonia, NC Good?

Several companies provide shorter-term payday loans, and they can be very beneficial. They give such money as emergency expense loans to people who need it right away and have a job that offers proof of income.
To qualify for these types of loans, you will need to have a bank account, good credit, and a steady income.