Payday Loans in Charlotte

APPLY NOW
  • Simple online application
  • Loans up to $5000
  • Instant Decision
  • Alternative Credit Check

By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

*By filling out the form above, you will be routed to PaydayLoansinUsa.com’s loan request form.

👍 Bad Credit? You're Welcome to Apply!

We're working with the lenders who perform only soft credit checks. It means that you'll get much higher chance of approval with us.

🕒 Instant Decision

With our near instant approval payday loans you just need to click the "Submit" button, fill out the form and get the money in 1 hour!

✅ Guaranteed Approval

Don't be fooled by anyone who promises guaranteed approval for bad credit loans. It's not possible. But we make sure you get the best possible opportunity from our direct lenders. Even if you have low income.

Are you struggling to pay the bills or rent while you’re weeks away from the nearest paycheck?

Or do you have an emergency situation and need money RIGHT NOW?

There is a solution!

Payday loans are easy-to-get short term loans for every situation. You don't need anything to secure your loan except proof of income, because when you get a payday loan, you are expected to repay it with your next paycheck.

Bad credit? Don’t worry. The requirements for cash advance loans allow to get a loan even if you have bad credit and no checking account. All you have to do is to click on the Apply button and fill up the form.

How to get a payday loan without a bank account in Charlotte, North Carolina?

For an online cash advance, there are no requirements to have a bank account. There are direct lenders without credit check that accept prepaid debit cards and secured credit cards.

Again, you can apply for a payday loan in North Carolina if you don’t have a bank account.

Here’s what you have to do to get a payday loan without checking account:

  • Go to the top of this page and click the “Apply” button.
  • Fill up the form with your personal and bank details.
  • Submit the form and send the details.

Keep in mind, that in order to get instant approval, all the details should be valid. If you do everything right, you can get a payday loan the same day you apply. Or the next day at most.

What are the general requirements to qualify for a payday loan in Charlotte, North Carolina?

Payday loan requirements are different for every lender, but typically they have a lot in common. So here are the general requirements to apply for a payday loan:

  • You must be at least 18 years old to apply
  • Have proof of income
  • Have a valid checking account or prepaid debit account/card
  • Have a phone number to receive calls or/and messages

How much can I get on a payday loan in Charlotte, North Carolina?

The maximum amount of money you can get on a payday loan in Charlotte, North Carolina is $2500 with some restrictions, and the maximum term is not specified. The finance charge fees and/or interest rates (APR) if specified can go up to 36 APR% (). But keep in mind that it's short term loans and small amounts of money. You would be able to repay them with your next paycheck.

Minimum Loan Amount $100
Maximum Loan Amount $2500 with some restrictions
Minimum Loan Term 7 days
Minimum Loan Term not specified
Credit score requirements Available for Bad Credit
Credit Check No Credit Check

What credit score is needed for a payday loan in Charlotte, North Carolina?

If the credit score is the only reason for you to not apply for a loan, fear not! You don’t need a good credit score for a payday loan, because most lenders do not even do a credit check for their clients. Because cash advance are short term loans, the only thing they care about if proof of income.

Can you get a payday loan in Charlotte, North Carolina with a 450-500-550 credit score?

The short answer is yes, you can get a payday loan with a 450-500-550 credit score. As we’ve already mentioned, direct lenders, unlike banks, do not perform credit checks. The payroll loans are secured by your paychecks.

Can I get a payday loan in Charlotte, North Carolina with really bad credit?

Let us repeat this again: yes, you can get a payday loan even with really bad credit, no matter how low your credit score is.

What payday loans are open today?

To find the lenders that are open today, please refer to our directory below. We recommend applying online via our form. This way you can get instant approval and get your money faster.

Also, online payday loans are always open 24 hours 7 days a week. Even on Sundays ;)

Payday Loan Companies in Charlotte, North Carolina:

OneMain Financial Payday Loans Picture

OneMain Financial

5
★★★★★
Based on 12 Google reviews
Address: 9020 Albemarle Rd ste i, Charlotte, NC 28227, USA
Phone: (704) 499-3336
Website: https://onemainfinancial.com/branches/NC/Charlotte/28227/5219
Regional Finance Payday Loans Picture

Regional Finance

5
★★★★★
Based on 5 Google reviews
Address: 7309 E Independence Blvd Suite 24, Charlotte, NC 28227, USA
Phone: (704) 567-8248
Website: https://branches.regionalfinance.com/nc/charlotte/7309-east-independence-blvd.html
ACE Cash Express Payday Loans Picture

ACE Cash Express

5
★★★★★
Based on 6 Google reviews
Address: 2706 Freedom Dr B, Charlotte, NC 28208, USA
Phone: (704) 399-4433
Website: https://acecashexpress.com/locations/north-carolina/charlotte/916
USA Check Cashing Payday Loans Picture

USA Check Cashing

5
★★★★★
Based on 2 Google reviews
Address: 5115 N Tryon St, Charlotte, NC 28213, USA
Phone: (704) 596-5005
Website: https://usa-check-cashing.business.site/
Regional Finance Payday Loans Picture

Regional Finance

4.7
★★★★★
Based on 3 Google reviews
Address: 3250 Wilkinson Blvd Suite H, Charlotte, NC 28208, USA
Phone: (704) 837-2674
Website: https://branches.regionalfinance.com/nc/charlotte/3250-wilkinson-blvd.html
ACE Cash Express Payday Loans Picture

ACE Cash Express

4.6
★★★★★
Based on 18 Google reviews
Address: 3301 Freedom Dr Ste B, Charlotte, NC 28208, USA
Phone: (704) 393-0555
Website: https://acecashexpress.com/locations/north-carolina/charlotte/932
OneMain Financial Payday Loans Picture

OneMain Financial

4.5
★★★★★
Based on 12 Google reviews
Address: 230 E W.T. Harris Blvd, Charlotte, NC 28262, USA
Phone: (704) 595-9087
Website: https://onemainfinancial.com/branches/NC/Charlotte/28262/3949
ACE Cash Express Payday Loans Picture

ACE Cash Express

4.5
★★★★★
Based on 15 Google reviews
Address: 2107 Beatties Ford Rd Ste 1, Charlotte, NC 28216, USA
Phone: (704) 398-3794
Website: https://acecashexpress.com/locations/north-carolina/charlotte/980
OneMain Financial Payday Loans Picture

OneMain Financial

4.3
★★★★★
Based on 25 Google reviews
Address: 9821 Northlake Centre Pkwy Suite E, Charlotte, NC 28216, USA
Phone: (704) 399-9762
Website: https://onemainfinancial.com/branches/NC/Charlotte/28216/4009
ACE Cash Express Payday Loans Picture

ACE Cash Express

4.3
★★★★★
Based on 13 Google reviews
Address: 3310 Wilkinson Blvd, Charlotte, NC 28208, USA
Phone: (704) 399-3774
Website: https://acecashexpress.com/locations/north-carolina/charlotte/987
Lendmark Financial Services LLC Payday Loans Picture

Lendmark Financial Services LLC

4
★★★★★
Based on 2 Google reviews
Address: 3625 Mt Holly-Huntersville Rd 405, Charlotte, NC 28216, USA
Phone: (704) 504-7477
Website: https://lendmarkfinancial.com/
ACE Cash Express Payday Loans Picture

ACE Cash Express

4
★★★★★
Based on 13 Google reviews
Address: 6111 South Blvd, Charlotte, NC 28217, USA
Phone: (704) 552-5600
Website: https://acecashexpress.com/locations/north-carolina/charlotte/931
ACE Cash Express Payday Loans Picture

ACE Cash Express

3.9
★★★★★
Based on 14 Google reviews
Address: 228 Eastway Dr Ste 4, Charlotte, NC 28213, USA
Phone: (704) 596-5425
Website: https://acecashexpress.com/locations/north-carolina/charlotte/979
ACE Cash Express Payday Loans Picture

ACE Cash Express

3.8
★★★★★
Based on 14 Google reviews
Address: 901 N Wendover Rd Ste B, Charlotte, NC 28211, USA
Phone: (704) 442-0116
Website: https://acecashexpress.com/locations/north-carolina/charlotte/956
OneMain Financial Payday Loans Picture

OneMain Financial

3.4
★★★★★
Based on 13 Google reviews
Address: 7629C Pineville-Matthews Rd Ste 23, Charlotte, NC 28226, USA
Phone: (704) 541-0477
Website: https://onemainfinancial.com/branches/NC/Charlotte/28226/4006
James Foster - Bay Equity Home Loans Payday Loans Picture

James Foster – Bay Equity Home Loans

3
★★★★★
Based on 2 Google reviews
Address: 6000 Fairview Rd Suite 1200, Charlotte, NC 28210, USA
Phone: (704) 215-1272
Website: https://bayequityhomeloans.com/jay-foster
Lednmark Financial Services LLC Payday Loans Picture

Lednmark Financial Services LLC

3
★★★★★
Based on 2 Google reviews
Address: 3270 Wilkinson Blvd Unit A4, Charlotte, NC 28208, USA
Phone: (704) 394-5311
Website: https://lendmarkfinancial.com/
Regional Finance Payday Loans Picture

Regional Finance

2.5
★★★★★
Based on 10 Google reviews
Address: 9601 N Tryon St Suite H, Charlotte, NC 28262, USA
Phone: (704) 599-2857
Website: https://branches.regionalfinance.com/nc/charlotte/9601-north-tryon-street.html
Regional Finance Payday Loans Picture

Regional Finance

1
★★★★★
Based on 1 Google reviews
Address: 6407 South Blvd Suite J, Charlotte, NC 28217, USA
Phone: (704) 556-1730
Website: https://branches.regionalfinance.com/nc/charlotte/6407-south-blvd.html
BB&T Payday Loans Picture

BB&T

1
★★★★★
Based on 1 Google reviews
Address: 3800 Shamrock Dr, Charlotte, NC 28215, USA
Phone: (704) 954-2075
Website: https://bbt.com/bbtdotcom/locator/details/3800_shamrock_dr__charlotte__nc__28215
Franest Services Payday Loans Picture

Franest Services

0
★★★★★
Based on 0 Google reviews
Address: 3125 Eastway Dr, Charlotte, NC 28205, USA
Phone: (704) 567-9917
Website: https://No website
La Universal Payday Loans Picture

La Universal

0
★★★★★
Based on 0 Google reviews
Address: 127 E Sugar Creek Rd 6906, Charlotte, NC 28213, USA
Phone: (704) 597-1420
Website: https://No website
Regional Finance Payday Loans Picture

Regional Finance

0
★★★★★
Based on 0 Google reviews
Address: 9303 Monroe Rd A, Charlotte, NC 28270, USA
Phone: (704) 549-9412
Website: https://cpay.regionalfinance.com/
Charlotte - Payday Loans USA Payday Loans Picture

Charlotte – Payday Loans USA

0
★★★★★
Based on 0 Google reviews
Address: 1606 W Morehead St, Charlotte, NC 28208, USA
Phone: (844) 640-7794
Website: https://paydayloans-quick.com/apply.html
Loan Servicing Solutions Payday Loans Picture

Loan Servicing Solutions

0
★★★★★
Based on 0 Google reviews
Address: 11121 Carmel Commons Blvd 250, Charlotte, NC 28226, USA
Phone: (704) 731-6254
Website: https://No website