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, so you can pay for your car repairs.

Your payday comes, and it’s time to settle up. You can redeem the check by paying the loan with cash, allow the check to be deposited at the bank, or just pay the finance charge to roll the loan over for another pay period if you don’t have the money this paycheck.

How to Get a Payday Loan

When you come to a Carolina Cash Fast location, getting a payday loan is easy with instant approval! We’ll never run a credit check or make you fill out forms for hours only to deny your application. You just need a few items to verify your identity, source of payment, and income source to get the money you need and be on your way. Before you come visit us in one of two of our convenient South Carolina locations in Clover and Fort Mill, make sure you bring the following items with you:


  1. Your most recent checking statement
  2. Your driver’s license
  3. Your social security card
  4. Your check book
  5. Your most recent pay stub

What are you waiting for? We make it easy to get payday loans fast. If you live near the North Carolina/South Carolina border in Charlotte, Gastonia, Matthews, Rock Hill, or in a nearby community, come to Carolina Cash Fast to get some cash, fast!