Cash Fast Centers

How to Secure a Car Title Loan in Charlotte, NC

Urgent needs for larger amounts of cash can arise when we least expect them. Medical bills are one of the most common surprising and demanding needs, and these can’t be ignored. If you’re in need of cash, and a typical payday loan just won’t cut it, consider a car title loan.

A car title loan is a short-term loan in which the borrower’s car is used as collateral. This type of loan is a no credit check loan which means your credit score won’t be checked through Experian or other such credit agencies. So, even if your credit report has prevented you from receiving loans at other financial institutions in the past, you’ll be able to walk away with cash fast.

Here at Cash Fast Loan Centers, we assess each borrower’s needs and create a loan to suit that individual. The amount you are able to borrow depends on your car’s worth and your ability to make monthly payments. Because your car is being used as collateral, and is a piece of property with high value, car title loans tend to make larger sums of money available to you, the borrower.

Just as we tailor each car title loan to suit our individual customers, our repayment plans are also as unique as our customers’ needs. Unlike other short-term loan companies, this means we can guarantee affordable monthly payments. This is because it is important to us that you are able to feel comfortable while repaying your loan.
Charlotte, NC, Has Car Title Loan Experts Nearby
If you’re interested in securing a car title loan today, then visit us at one of our many office locations! Whether you live in Gastonia, Fort Mill, or beyond, we [...]

By |March 14th, 2016|Loans|Comments Off on How to Secure a Car Title Loan in Charlotte, NC|

What is a No Credit Check Loan?

While we all do our best to manage our finances, life tends to foil even the best laid plans. From car repairs to medical payments, unexpected bills aren’t only annoying, they can also be frightening. Wondering how you’ll make it to your next payday does not make for a good night’s sleep.

This is where a no credit check loan can help you along during tough times such as these. Even if your credit report has prevented you from receiving loans at other financial institutions in the past, you’ll be able to walk away with cash fast.

This is because your credit score won’t be checked through Experian or other such credit agencies.

According to Community Financial Services Association of America (CFSA), the only check most short-term loan companies utilize is a subscription service that indicates if a potential customer has outstanding payments at a similar business. Because of this, even if you have no credit, you’ll still be able to borrow the money you need.

Also, there is no need to worry about your privacy. CFSA member companies protect the confidentiality of customers’ personal information and uphold strict privacy policies. In addition, payday loan transactions are not reported to credit agencies. Therefore, your credit score cannot be hurt by utilizing this type of personal loan.

No credit check loans were created to enable those with poor credit scores to have access to emergency funds. There are two types of short-term loans: Payday Loan and Title Loan. Each of these personal loans is able to provide you cash when you need it most, and only a few items are needed to apply.

Payday Loan

Your most recent checking statement
Your driver’s license
Your social security card

By |March 4th, 2016|Loans|Comments Off on What is a No Credit Check Loan?|
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    Cash Advance Loans 101: Best Practices for Charlotte, North Carolina, Borrowers

Cash Advance Loans 101: Best Practices for Charlotte, North Carolina, Borrowers

We all work hard for our money, but sometimes we need a helping hand. If you’re in need of a cash advance, then you’ll want to partner with an organization you can trust in your time of need.

An easy way to identify a trustworthy fast cash loans company is through membership with the Community Financial Services Association (CFSA). Each member is obligated to abide by several best practice policies. This ensures each customer is being treated fairly and ethically. Read below for a summary of CFSA’s best practices.

Full Disclosures: The cash advance company must present all costs to the customer before the transaction takes place. This includes the cost of the service fee both as a dollar amount and as an annual package rate (APR).
Compliance: Borrowers can be assured this cash advance company will abide by all state and federal laws.
Truthful Advertising: Fast cash loans companies that are members of CFSA cannot provide any false or misleading information in their advertisements.
Encouraging Consumer Responsibility: Customers will receive notices which inform them of the intended use of the payday advance service on any marketing materials produced by the cash advance company.
Rollovers: Cash advance rollovers will not be allowed unless expressly authorized by the state law.
Right to Rescind: The fast cash loans organization will allow customers to cancel their payday advance transaction on or before the close of the following business day at no additional cost.
Appropriate Collection Practices: Intimidation and threats are not tolerated under any circumstances. Collection on past due accounts will only be handled in a lawful manner. All proper collection practices are outlined in the Fair Debt Collection Practices Act.
No Criminal Action: Customers cannot be [...]

By |February 19th, 2016|Tips and Hints|Comments Off on Cash Advance Loans 101: Best Practices for Charlotte, North Carolina, Borrowers|

2 Options for a No Credit Check Loan in Rock Hill, SC

Even when we do our best to plan and prepare, unexpected expenses are bound to pop up. When life throws you a curveball like this, the last thing you need is another hassle standing in your way. Fortunately, no credit check loans are available to help you during tight times.

A no credit check loan means, simply, that organizations who offer these types of loans do not obtain a credit report from any of the major three credit bureaus. Because of this, you are not required to have good credit—or any credit at all— in order to obtain a loan of this type.

There are two no credit check loan options: payday loans and car title loans. Read on to see which option suits you and your needs.

Option 1: Payday Loans

If you’re in need of a smaller amount, this short term loan may be right for you. This convenient and reasonably priced service can help you make ends meet between paychecks when an emergency arises. Funds from this no credit check loan are typically used for small, unexpected expenses, but may also be used to avoid costly bounced check fees or late bill payment penalties. If you’re interested in this type of loan, then a few items will be required of you that verify your identity, income, and source of payment:

Your most recent checking statement
Your driver’s licence
Your social security card
Your check book
Your most recent pay stub

Keep in mind this type of no credit check loan is not best for larger sums. If you need a more significant amount, then Option 2 may be what you need.

Option 2: Title Loans

Larger amounts are able to be secured through no credit check loan [...]

By |February 11th, 2016|Loans|Comments Off on 2 Options for a No Credit Check Loan in Rock Hill, SC|

Why Online Payday Loans Aren’t Worth the Risk

At Carolina Cash Fast, we pride ourselves on offering no-hassle, same-day approval on payday loans. As your local direct lender, it’s our goal to make it as easy as possible to put cash in your hand. The only thing that might make our service easier to use is if we offered it online. That way you could apply for a cash advance without leaving your couch.

So why doesn’t Carolina Cash Fast offer payday loans online?

This is a frequently asked question among our customers. Let’s take a minute to answer it.
Online Payday Loans Put You at Risk of Identity Theft
The biggest difference between Carolina Cash Fast and other direct lending services is our commitment to responsibility. As a member of the Community Financial Services Association of America’s Best Practices, we have a full list of standards that we strive to meet while conducting business. These guidelines include sections on full disclosure and encouraging consumer responsibility.

The truth is that online payday loan services put you at more risk than their worth. Often you will be working with what is known as a lead generation service instead of a real lender. These lead generator sites collect the same sensitive information that you would submit to apply for a loan:

Social security number
Driver’s license number
Bank account number

The difference is the security measures on these sites are notoriously vulnerable to hackers. In the event of a security breach, you might wind up the victim of identity theft.

Risk is a two-way street. Were we to offer our services online, we could also get tricked by criminals who have stolen someone else’s identity. We think we’re paying out a loan to someone that needs it for [...]

By |February 4th, 2016|Tips and Hints|Comments Off on Why Online Payday Loans Aren’t Worth the Risk|

9 Ways to Save Money in 9 Minutes or Fewer

If you woke up with dashed hopes because your $2 lottery ticket was a dud, fear not! We have nine easy ways to help you make back that $2 with hardly any effort.

Intrigued? Many of our suggestions only take around 9 or 10 minutes to get started. And when you’re talking money, every effort adds up. Let’s get started!
Got 9 Minutes? 9 Ways to Save Money
It really doesn’t take much to start adding up pennies here and nickels there. With small changes and some simple daily habits, you could have extra money in your bank account in no time by implementing these 9 simple money saving methods.

If you woke up with dashed hopes because your $2 lottery ticket was a dud, fear not! We have nine easy ways to help you make back that $2 with hardly any effort.

Intrigued? Many of our suggestions only take around 9 or 10 minutes to get started. And when you’re talking money, every effort adds up. Let’s get started!
Got 9 Minutes? 9 Ways to Save Money
 

It really doesn’t take much to start adding up pennies here and nickels there. With small changes and some simple daily habits, you could have extra money in your bank account in no time by implementing these 9 simple money saving methods.

Cash in your change.
Many credit unions, grocery stores, or other public places of business have coin counting machines where all you have to do is dump in your coins. Some might charge a small fee, but it’s nothing compared to the extra cash you’ll have! Another option is getting your money back in store gift cards.
Sell leftover gift cards.
Do you [...]

By |February 1st, 2016|Tips and Hints|Comments Off on 9 Ways to Save Money in 9 Minutes or Fewer|
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    The Secret to an Instant Cash Advance: Why We Don’t Check Credit Scores

The Secret to an Instant Cash Advance: Why We Don’t Check Credit Scores

The name of our business is Carolina Cash Fast. We aim to provide our service exactly as advertised. You can depend on us for an instant cash advance the same day you walk through our doors

So what’s the catch?

That’s what some of you must be wondering. How are we able to offer you a cash loan in as little as fifteen minutes?

Here, we’ll tell you our not-so-secret secret.

No Credit Check, No Problem

A payday loan is an instant cash advance by design. Let’s review the list of things you need to apply for a loan at Carolina Cash Fast:

Your most recent checking statement
Your driver’s license
Your social security card
Your check book
Your most recent pay stub

What you won’t find on this list are documents or information needed to perform a credit score check. Why?

Because we don’t check your credit score when you apply for a payday loan. A credit check is a time-consuming process that makes other forms of lending more time consuming. It can also drag out the process of applying for a credit card. We skip this process to drastically reduce the time it takes to put cash in your hand.

What you might be thinking next is something along the lines of “But wouldn’t a lender want to know someone’s credit score so they can guarantee they’ll be paid back?”

It depends on the service you provide. The reason a bank or a credit card service or even a landlord wants to know your credit score is because you borrow a large sum of money from them and pay it back over an extended period of time. They need an assessment of your ability to responsibly make payments.

The nature of a payday [...]

By |January 22nd, 2016|Loans|Comments Off on The Secret to an Instant Cash Advance: Why We Don’t Check Credit Scores|

The Best Way to Get Cash Fast When You Need It

When life throws you lemons, you make lemonade. But where do you turn if you don’t even have the money to buy ingredients for lemonade? When you need cash, you need it fast. Circumstances such as unexpected medical bills, urgent car repairs, accidents, and others can prevent you from enjoying that tall, refreshing glass of lemonade in life.

So where is the best place you can turn to when you need cash fast? Let’s explore options.
Option #1: Personal Bank Loan
Your local bank or credit union offers personal loans. There are two kinds of bank loans: secured and unsecured. To get a secured loan, you have to put up something major you own for collateral, like your house. You also must have a great credit score.

An unsecured loan will not ask you for collateral, but you still have to put in an application evaluating your income, current debt, and other financial information. Typically, you can get more money at a lower interest rate with a secured loan than an unsecured loan.

While you could shop around at different banks trying to get a lower rate, you put your credit score at risk. Each loan application will require a credit check, and too many credit checks can lower your credit score. In turn, your rates lenders will offer you will go up, defeating the whole purpose of trying to shop around for the best rate in the first place.
Option #2: Apply for a Credit Card
You may receive credit card offers in the mail promising 0% interest, but don’t be tempted to automatically turn to those for a quick way to get money. Credit cards can come with interest rates and fees that are [...]

By |January 15th, 2016|Loans|Comments Off on The Best Way to Get Cash Fast When You Need It|
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    3 Reasons Why Easy Payday Loans Are Better than Groundhog Day

3 Reasons Why Easy Payday Loans Are Better than Groundhog Day

It may be difficult to imagine that an easy payday loan is better than Groundhog Day, especially after watching Bill Murray spectacularly live the same day for an eternity. And while movie magic and folklore may be enticing, the actual facts about this type of quick cash loan would make Punxsutawney Phil forget about his shadow.

And hopefully spring would come early.

Whether the warm weather washes in early or the cold, hard winds stick another six weeks, access to a payday loan remains as easy as ever. After all, you put in a lot of hours for those paychecks; the last thing you need is any more of a hassle.

So, let’s discuss those three reasons you came here to discover …

Easy Payday Loans Are Fast

The celebration for Groundhog Day takes (well, quite literally) a day. And there’s no guarantee that spring will be expedited, even if that furry fellow spots his shadow. If you’re unlucky enough, you could end up like Pittsburgh weatherman Phil Connors and spend weeks, months, or years living the same 24 hours—with minor changes based on your decisions.

On the other hand, you can spend just 15 minutes of your time at a Cash Fast location to walk out with cash in your pocket. Or wallet. Or hand. Purse. Satchel? Whatever you want to carry it in!

Easy Payday Loans Are Convenient

Thought Punxsutawney is no easy place to reach, each Cash Fast location is! We have storefronts in Clover and Fort Mill, South Carolina, which make it easy for residents of Charlotte, Gastonia, Rock Hill, and beyond to visit us.

Easy Payday Loans Are Simple

In order to see ole’ Phil on Groundhog Day, you have to get vacation time from work. [...]

By |January 11th, 2016|Loans|Comments Off on 3 Reasons Why Easy Payday Loans Are Better than Groundhog Day|
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    Happy New Year Charlotte from Your Friends at Carolina Cash Fast

Happy New Year Charlotte from Your Friends at Carolina Cash Fast

Season’s greetings from your friends at Carolina Cash Fast!

We just wanted to take a moment to say: We made it! Another year has come and gone, and oh what a year it was. For better or for worse, 2015 sure was full of excitement, and we can only imagine what 2016 holds in store for us.

All of us at Cash Fast wish you happy holidays, and we hope you have something fun planned for New Year’s. Share your plans with us or tell us what your New Year’s resolution is. We love hearing from our customers and our community.

If you don’t already have plans, remember that uptown Charlotte is going to be popping. Lots of restaurants, bars, and venues are holding special events, and there’s a huge celebration happening in the center of town. Join your fellow Queen City citizens at Romare Bearden Park for a family-friendly festival starting at 6:00 p.m. on New Year’s Eve. There will be games, food trucks, music, and fireworks. Cap off the night with the annual raising of the Charlotte Crown. It’s sure to be fun.

Whatever you end up doing, remember to stay safe out there. We care deeply about all our customers because we know without you, none of this is possible. So find a designated driver, call a cab, or take an Uber. If you’re hosting a party, make sure all your guests have plans for getting home. Everyone should have fun while you’re ringing in the New Year – just take care that yours starts off happy.

This is your friendly neighborhood short-term lender signing off for 2015. We’ll see you all in the New Year!

By |December 29th, 2015|Tips and Hints|Comments Off on Happy New Year Charlotte from Your Friends at Carolina Cash Fast|