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Get Fast, Flexible Payday Loans in the Carolinas

Apply online or visit us in-store—get same-day funding with transparent rates, local support, and no credit check.

 

couple counting bills, budgeting, after payday

For more than 25 years, Cash Fast Loan Centers has helped Carolinians get quick access to the money they need without the hassle. We offer short-term personal and title-backed loans with clear terms, local service, and same-day approval—so you can move on with life instead of worrying about bills.

✅ No hidden fees
 ✅ Locally owned and operated
 ✅ Cash in as little as 15 minutes

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How to Get a Payday Loan

Apply Online or Visit a Branch

Start your application by completing our quick online form or visiting one of our convenient Carolina locations. Bring your photo ID, proof of income, and your car title if you’re applying for a title-backed loan.

Fast, Straightforward Approval

We review your application right away and explain every detail before you sign. Most approvals are ready within 15–30 minutes.

Receive Your Funds Today

Once you accept the offer, you’ll leave with cash in hand or funds deposited—simple, secure, and same-day.

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Why Choose Cash Fast Loan Centers?

Life doesn’t always stick to a schedule. That’s why we’ve built a lending process focused on speed, clarity, and local support—so you can get help when you need it most.

Trusted by Carolinians Since 1998
For more than 25 years, we’ve helped neighbors across Charlotte, Fort Mill, Rock Hill, and beyond access short-term financial relief with confidence. We’re proud to be a local name you can rely on.

Transparent Terms, No Surprises
Our loans come with clear, easy-to-understand terms—no hidden fees, no fine-print confusion. You’ll always know what you’re borrowing and the total cost upfront.

Fast Approvals, Same-Day Funding
Submit your application online or in person, and get approved in minutes. Many customers receive cash or direct deposit the very same day.

Flexible for All Credit Situations
Good credit, bad credit, or no credit—we focus on your income and ability to repay, not your credit history.

Online or In-Person Convenience
With multiple branches serving North and South Carolina and a simple online application, you can choose the option that fits your day best.

Our payday loans and title loans are designed to provide fast, dependable access to cash when unexpected expenses arise. With simple requirements and local support, we make borrowing straightforward, transparent, and stress-free.

Our Loan Options

We offer several types of personal and short-term loans to fit your situation. Each comes with clear terms, quick approvals, and friendly local service.

Personal Loans

Straightforward, short-term personal loans for everyday expenses or unexpected bills. Ideal when you need a small amount of cash without a long wait.

Title Loans

Use your vehicle title as collateral to borrow a larger amount while keeping your car. Enjoy flexible repayment options and same-day funding.

Installment Loans

Prefer predictable payments? Installment loans give you a set schedule and more time to repay, making budgeting simple and stress-free.

Emergency Loans

When life throws something unexpected—like a repair or medical bill—we’re here with fast, no-hassle funding and transparent terms.

Every loan type is available online or in person, and our team is happy to explain your options before you decide.

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Compliance, Security & Community Commitment

We’re fully licensed to operate in South Carolina and comply with all applicable state and federal lending regulations. While certain short-term loan types aren’t permitted in North Carolina, many customers from the Charlotte area and nearby NC communities visit our South Carolina locations for fast, legal, and secure loan services. Your information is always protected with bank-level encryption and strict data-security practices.

As a locally owned and operated company, we take pride in giving back—supporting neighborhood events, school supply drives, and local charities. At Cash Fast Loan Centers, we’re not just lenders; we’re part of the communities we serve.

What Our Customers Say

Across North and South Carolina, people count on us for friendly service and quick, reliable support. Here’s what real customers have shared about their experience with our local teams.

  • Friendly and courteous staff. Fast and efficient! This establishment uses name recognition and I like that. They are willing to work with you too! I will forever do business here. Lastly, they offer you the most money out of all advance places.

    Nicole Obie Avatar Nicole O.
    2021-07-08

    Professional and courteous

    Bobbie McDowell Avatar Bobbie M.
    2023-10-13

    Love Donna.She has always been very helpful!!I recommend this place to everyone!!

    Antoinette Carey Avatar Antoinette C.
    2020-12-19

  • They are the best the ladies in here go above and beyond for you always making sure you are satisfied. For the people who have bad things to say them are just unsatisfied with their self

    Shakeema Marshall Avatar Shakeema M.
    2022-12-03

    very quick and friendly

    Branden Stringfield Avatar Branden S.
    2021-07-21

    The ladies in there were so helpful and kind. Thank you nicolette and jessi for always going the extra mile to help me.

    Alex Gonzalez Avatar Alex G.
    2020-07-17

  • We have been dealing with this company for over 5 years. They are always kind and make it easy to get a quick loan. I appreciate their professionalism and always look forward to stopping by.

    BROTHER James Lake Avatar BROTHER J.
    2021-08-13

    Great company walked into great customer service and was helped very fast!

    Dee Cousar Avatar Dee C.
    2025-08-15

    Heaven was amazing. Honestly the quickest and experience I’ve had when in a pinch. Will return if I ever need to again!

    Javian Springs-Bradley Avatar Javian S.
    2023-08-02

Frequently Asked Questions

Do I need good credit to qualify for a Payday Loan?

No. We don’t base approvals for payday loans on your credit score. We look at your income and overall ability to repay.

What do I need to apply for a payday or title loan?

Just a government-issued photo ID and proof of income. For title loans, you’ll also need your vehicle title and proof of insurance.

How fast can I get the money?

Get approved in minutes and have cash in hand within half an hour. Online applicants usually see same-day deposits after approval.

Can I pay off my loan early?

Absolutely. You can pay off your loan in full at any time without penalties or extra fees. Paying early can even reduce your overall interest cost.

Are rollovers or extensions allowed?

Loan extensions depend on state regulations and your loan terms. Our team will clearly explain all available options before you sign, so there are no surprises later on.

cashfast loan centers locations on map of north and south carolina

Proudly Serving North & South Carolina

We operate across dozens of communities throughout North and South Carolina, including:

If you’re in the Charlotte metro and looking for fast financial help, we’re close by and ready to assist.

Get the Cash You Need—Today

There’s no reason to wait when you need help now. With Cash Fast Loan Centers, you can apply quickly, get a decision in minutes, and walk out with the cash you need—all from a team you can trust.

  • Local & Licensed Since 1998
  • No Credit Check Required
  • Same-Day Cash Available

Questions? Give us a call or just walk in. We’re here Monday through Friday—and we always try to make it as easy as possible.