Loans

Loans are methods to acquire cash when you need them, and Cash Fast Centers offers two types of no-credit-check loans for money when you need it most.

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|

What’s All the Hype About a Car Title Loan?

We’ve already written a blog post comparing our two main services, payday loans and car title loans. Today we want to take a closer look at the second of those and hopefully answer a few questions. Just what exactly is a car title loan, and what is this kind of loan most useful for?

As a small spoiler, we can tell you that car title loans are great for getting cash fast. We wouldn’t offer them otherwise. Let’s look into the details.
What is a car title loan?
Like a payday cash advance, a car title loan is a short-term loan. The way it works is you present your car title to your lender – in this case Carolina Cash Fast – and we put a lien on your title. Your car then serves as collateral until you have paid off the loan.

Let’s unpack that a little bit more. What is…

A car title? This is the legal document that says you own your car. It’s like writing your name on the collar of your shirt so people know it’s yours, but legally binding. Important note: You won’t be eligible for a car title loan if you are not the sole owner of the vehicle. If it’s a new car that you’re still financing, you’ll have to explore another option for a cash advance.

A lien? A lien is an agreement. In this case, you agree to forfeit ownership of your car until your loan has been paid back. Once your debt is settled, the lien is removed from your title, and your car is yours again. At Carolina Cash Fast, we will work with you to create a personalized repayment plan so we can make sure [...]

By |December 22nd, 2015|Loans|Comments Off on What’s All the Hype About a Car Title Loan?|
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    Payday Loans vs. Credit Cards: Your Best Bet in a Quick Pinch

Payday Loans vs. Credit Cards: Your Best Bet in a Quick Pinch

Life happens. Sooner or later, chances are you’ll be met with a sudden expense you weren’t planning for, and at that point you’ll be wondering what to do. It might be your rent, your car, a medical expense, or even something less dire like a much-needed weekend away with friends.

When you get to that moment, you have a decision to make: Should you apply for a new credit card or take out a payday loan?
Credit Cards are Useful, but They Have Serious Drawbacks
With responsible spending and repayment, it can be beneficial to have a credit card. If you use the card regularly and stay on top of your payments, you’ll be able to build up and improve your credit score. You can also accrue bonus points via your credit card company’s rewards programs.

However, there are a number of reasons that credit cards are not well suited for situations when you need cash fast.

Application Process: Getting a credit card isn’t always as easy as calling up a credit card company and asking for one. You’ll have to pass credit check and then, if you’re approved, wait for your card to be delivered.
Credit Limit: Credit cards come with a spending limit, and it’s typically lower for the first three months that you have a card. If your sudden expense exceeds the limit on your credit card, you’re going to be out of luck.
Fees and Penalties: With a credit card comes the risk of steep fees and penalties. One missed payment can turn into a vicious cycle as you wind up more in the hole than you were before. Activity like that can also have a negative impact on your credit score.

When You [...]

By |December 7th, 2015|Loans|Comments Off on Payday Loans vs. Credit Cards: Your Best Bet in a Quick Pinch|

Who Really Needs Easy Cash Loans?

In recent years, companies that offer easy cash loans have been given a bad reputation. A lot of that press comes from getting false information. And some sources, like traditional banks or loan companies, have reasons to make the industry of quick cash loans sound criminal. So, that honestly begs the question: who actually needs easy access to cash loans?

Big banks. Local banks. National loan companies. They look at the bottom line: are you likely to pay back a loan? And this answer comes from your past, not necessarily your present. Mistakes you made 7 years ago can still have an impact on your credit score. While it’s the most significant, a bad credit score is just one of several reasons you could be denied a loan:

You lost your job.
You recently added new debt.
You lack a history of credit.

Yes. At certain times when you need access to money the most, financial institutions can turn you away to fend for yourself—even not having an opportunity to prove that you are worthy of a loan (no credit history) can leave you out of luck.
The Benefit of Quick, Easy Cash Loans
As much negativity that may surround our industry, there are many of us who genuinely want to help. And we provide the quick, easy access to cash that you may need to cover medical costs, repair expenses, utility bills, or other unexpected financial burden.

Now, are we saying that every person should apply for a payday advance or car title loan?

No. But we do believe that people who need a bit of help—and have the ability to pay back a loan—should have an opportunity to get the money they [...]

By |November 25th, 2015|Loans|Comments Off on Who Really Needs Easy Cash Loans?|

Payday Loan vs. Car Title Loan: Which Works Best for You?

If you have bad credit and need a short-term loan, you do have options. Whether it’s due to an unexpected medical bill or other expense, managing your finances can be quite complicated. And, best of all, you can get quick access to much needed cash without a long application process or a hassle with a banking specialist.

 

The Payday Loan

The essential definition of a payday advance loan is a short-term loan based on your income, usually offering up to the amount of your paycheck. This type of loan is typically best suited for people who have a more minor cost to cover, such as a utility bill or simple car repair.

To acquire a payday advance (cash) loan from Cash Fast Centers—located in Fort Mill and Clover, South Carolina (SC)—here is all that you need to bring your …

Most recent checking statement
Driver’s license
Social Security card
Check book
Most recent pay stub

These items will help verify your identity, source of income, and source of payment.

 

The Car Title Loan

A car title loan can be defined as a short-term loan based on the value of your vehicle. The amount given is typically influenced by your ability to fulfill monthly payments. People most appropriately suited for this type of loan have more significant needs, such as hospital costs or rent or mortgage payment.

Some of the other benefits of a car title loan include:

Unique repayment plans
No requirement of full-coverage insurance
Ability to drive the car while paying the loan

All you need to bring with you is your vehicle’s title.

 
Payday and Car Title Loan: More Comparison than Contrast
At Cash Fast Centers, there are more similarities than [...]

By |November 23rd, 2015|Loans|Comments Off on Payday Loan vs. Car Title Loan: Which Works Best for You?|

A Cash Advance Is Your Key to the Queen City

Charlotte, North Carolina, is the Queen City, and it’s fast becoming the Jewel of the South. Home to successful sports franchises, delectable fine dining, and a dozen other sites and sounds, we’re proud to call this city our home.

We know that not everyone who lives in the Charlotte area has had a chance to fully experience this city. To do that, you might need a quick and easy cash adv
ance.
Don’t Miss Out On All That Charlotte Has to Offer
The Carolina Panthers are doing well this football season. Really well. Well enough that there might be a series of home playoff games in Charlotte’s future. Tickets will be expensive, and they’ll probably be coming just after the holidays. If you and your friends or family want to go, what are you going to do?

You’ve got an important date with someone special coming up. Maybe it’s your anniversary dinner. No ordinary restaurant will do. More than anything, you want to impress with a trip into downtown Charlotte and a meal at Bernardin’s, or Carpe Diem, or The Capital Grille. How are you going to afford that magical evening out?

Maybe your favorite musical act is coming to The Filmore. Maybe you want to show your kids a great day at Carowind’s. Maybe you just haven’t seen all that Charlotte has to offer. After all: Charlotte’s got a lot.

It’s no secret that getting the most out of this town can cost a pretty penny. What better way to make it happen than with a no hassle cash advance from your friends at Carolina Cash Fast.

Our process is quick and easy. You can walk in and get through our application process in just 15 minutes. When [...]

By |November 13th, 2015|Loans|Comments Off on A Cash Advance Is Your Key to the Queen City|

Use a Payday Advance Loan to Help Cover Thanksgiving Costs

If you’re continuing the tradition of Thanksgiving dinner for your family, there’s much to celebrate—and much preparation to do. With all that needs to be purchased, the various expenditures may put you in a bind, especially if the holiday falls in between your paychecks. A payday cash advance loan could be your solution.
Give Thanks with the Help of a Payday Advance Loan
Thanksgiving. Black Friday. And, right around the corner, Christmas. It’s the chaotic time of year in which family and friends spend money on travel, food, and gifts. And you need to have access to cash, even if the need arises in the middle of your pay period.

A payday advance loan is a short-term loan that gives you up to, approximately, the equal of your paycheck. Now that’s money for the holidays, when spent wisely, can be utilized and paid off quicker than a traditional loan or credit card charge.

According to a report from CBS News, the average cost of a traditional Thanksgiving dinner for 10 people will cost around $50. And if you were traveling, that could cost anywhere from $30 to $200 to arrive at your holiday destination.

Let’s face facts. Thanksgiving dinner is not the only late November expense you’ll have. It’s also likely that you’ve noticed some excellent Black Friday deals, but you don’t want the long-term costs of charging it. You want just enough, and, if you got paid that day, you could afford it too.

A payday advance loan could help cover the costs of Black Friday specials. The National Retail Federation found that the average amount spent on this day was more than $380.
What is a payday cash advance loan exactly?
So, you have [...]

By |November 5th, 2015|Loans|Comments Off on Use a Payday Advance Loan to Help Cover Thanksgiving Costs|
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    3 Ways Cash Advance Loans Can Help You Find the Love of Your Life

3 Ways Cash Advance Loans Can Help You Find the Love of Your Life

There are times that we all find ourselves in a predicament that requires quick access to cash. There are dozens of scenarios that put us in a bind, leaving us to wish it were payday. That’s where a cash advance loan can be a smart financial move, giving you access to the money you need when you need it.

Here’s a basic definition of a cash advance loan—it’s a short-term loan that can come in the form of either a payday advance or a car title loan. All you need to do is find a trusted center that will give you solutions, not hassles.
But if you’re thinking, “Well, I can just wait until payday.” … or …  “There will be another opportunity for me in the future, so I don’t need the cash right now.” … We want to demonstrate to you how a cash advance can help you meet the love of your life.

 
Scenario #1: Paying Your Utility Bills
It’s the end of the month. Water and electricity bills are due. Unfortunately, you recently had to drop extra money to buy a set of tires for your car (long story). You just can’t stretch your bank account any other way, so you are at a loss. Fortunately, you can get a cash advance loan if you have a job or a car title in your name.

So, you pay your bills. Lights are on. Water is running. Your friend George calls. He’s embarrassed because he was supposed to have a small party (you weren’t going because of those darn tires), but the pipes under his sink burst. Now he needs a place to host it; he can’t just cancel, right?

Your cash advance [...]

By |October 30th, 2015|Loans|Comments Off on 3 Ways Cash Advance Loans Can Help You Find the Love of Your Life|

How to Get a Payday Loan and Find Independence

When you need money fast, you don’t want to be faced with a lot of hassle, paperwork, questions, or long processes—you just want money, and, quite frankly, you want it quickly. If you’re tired of constantly asking family and friends for $20 here and $50 there, find out what a payday loan is and how it works, so you can get the money you need quickly and be on your way.

Payday loans are a quick, easy, and hassle-free way to get the money you need. A payday loan is a short-term cash loan based on your, the borrower’s, personal check held for future deposit or on electronic access to your bank account. You write a personal check for the amount you want to borrow plus the finance charge and receive cash. In some cases, you sign over electronic access to your bank account to receive and repay payday loans.

For example, let’s say you need $100 to pay for a necessary car repair that just cannot wait, but you’ve got another major problem: you don’t get paid for another two weeks. You’ve already turned to your friends for $20 here or spotting you $50 there, so you know you shouldn’t try that route.

However, you really need your car fixed so you can go to work! You can go to a payday loan center to borrow the $100 with a few documents that we talk about later. The finance charge to borrow $100 is $20 (usually between $15-30 for every hundred borrowed), so you write them a check for $120. They hold onto your check and promise to cash it at the agreed upon date after you get paid, and they give you $100 cash, [...]

By |October 23rd, 2015|Loans|Comments Off on How to Get a Payday Loan and Find Independence|