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 loan allows us to overlook your credit score. With an instant cash advance, you’ll be paying us back within a few weeks, and you should only need to make one payment covering the amount of the loan and the financing fees.

Some people only get paid twice a month or less frequently than that, and in the period of time between paychecks, they might have to spend money they haven’t budgeted for. An emergency visit to the hospital or the auto garage might come up, and they need cash fast to cover the expense. That’s the kind of person who applies for a payday loan.

We ask you to show us your paystub to confirm you are employed and that on your next payday, you’ll have sufficient funds to pay back your loan. If you don’t think you’ll be able to make your payment, it may be in your best interest to explore other options before enlisting our services.
If you have other questions about our services or you would like to hear more about our business, you’re welcome to call any of our locations. Carolina Cash Fast is based in Charlotte and serves the region between Gastonia and Unionville and from Concord to Newport. Stop by if you’re in the area.