Need Cash Now? Get Approved In Minutes!

How Much Cash Can i Get?

North Carolina Title Loans: A Convenient Financial Solution

North Carolina, with its rich history and scenic beauty, is a beloved state attracting residents and tourists alike. However, the rising cost of living can pose challenges when unexpected expenses arise. In such situations, traditional loan options may not be accessible due to strict credit criteria and lengthy application processes. This is where North Carolina title loans can provide a quick and convenient financing option.

Title Loans in North Carolina FAQ’s
Does North Carolina allow title loans?

Yes, North Carolina allows title loans. It are legal there and available for borrowing.

How to get a car title loan in NC?

To secure a car title loan in North Carolina, follow these simple steps with TFC Title Loans. Ensure you meet the eligibility criteria: 18 years or older, own a car with a clear title in your name. Gather the required documents: ID, proof of income, residence, and vehicle title. Contact our reliable team who will evaluate your vehicle’s value and determine the loan amount you qualify for.

Can I get a title loan in SC if I live in NC?

Yes, you can get a title loan in South Carolina (SC) even if you live in North Carolina (NC). TFC Title Loans serves customers in both states, allowing you to access their quick and flexible financial solutions. Whether you reside in NC or SC, as long as you meet the eligibility criteria and have the necessary documentation, you can apply for a title loan.

Understanding North Carolina Title Loans

Car title loans, also known as pink slip loans, are secured loans that use the borrower’s vehicle title as collateral. Unlike unsecured loans that rely solely on credit history, title loans consider the equity in the borrower’s car and their ability to repay the loan. This makes them more accessible to individuals with poor credit scores.

To obtain an auto title loan, the borrower must surrender their vehicle title to the lender, who places a lien on it. Once the loan is repaid, the lien is removed, and the title is returned to the borrower. This process allows borrowers to access funds quickly without the need for extensive credit checks or lengthy paperwork.

Qualifying for a Title Loan in North Carolina

While specific requirements may vary among lenders, there are general eligibility criteria for obtaining North Carolina title loans. To qualify, applicants must:

  • Be at least 18 years old.
  • Have a qualifying vehicle title in their name.
  • Possess a vehicle with positive equity.
  • Provide proof of a steady or alternative source of income.

It is crucial to have a qualifying vehicle title registered in the borrower’s name. However, some lenders may accept vehicles that are still being financed, provided the borrower completes an authorization form allowing the lender to obtain information and pay off existing loans.

Additionally, demonstrating the ability to repay the loan is essential during the title loan inquiry process. Lenders consider various forms of income, including traditional employment, social security benefits, worker’s compensation, alimony/child support, settlement income, self-employment, retirement or pension income, and disability benefits.

The Process of Obtaining North Carolina Title Loans

north carolina title loans

Obtaining a title loan in North Carolina is a straightforward and convenient process. Here are the steps involved:

1. Inquire About a Title Loan

The first step is to inquire about a title loan online. This can be done by filling out an online form or contacting a title loan agent by phone. One reputable lender offering title loans in North Carolina is TFC Title Loans.

2. Gather the Required Documents

To proceed with the loan application, certain documents must be gathered. These typically include:

  • Valid Government Issued ID
  • Proof of residency in North Carolina.
  • Qualifying vehicle title under the borrower’s name.
  • Proof of a steady or alternative source of income.
  • Recent photos of the vehicle.

These documents help verify the borrower’s identity, residency, ownership of the vehicle, and ability to repay the loan.

3. Submit the Application and Documents

Once all the necessary documents are gathered, they can be submitted to the lender for review. The lender will assess the information provided and determine the loan amount for which the borrower qualifies.

4. Sign the Loan Agreement and Receive Funds

If approved, the borrower will need to sign the loan agreement. Upon signing, the funds will be disbursed, often within one business day. TFC Title Loans, for instance, offers same-day funding to qualified borrowers in North Carolina.

Benefits of Choosing North Carolina Title Loans

North Carolina title loans offer several advantages for individuals in need of quick financing in North Carolina:

  • Accessibility: Title loans are accessible to individuals with poor credit scores, as the loan is secured by the vehicle’s equity rather than solely relying on credit history.
  • Quick Approval: The application process for title loans is typically quick and convenient, allowing borrowers to receive funds promptly.
  • Flexible Repayment Options: Lenders like TFC Title Loans offer flexible repayment plans, allowing borrowers to repay the loan in installments that suit their financial situation.
  • Continued Vehicle Use: Borrowers can continue using their vehicles while repaying the loan, ensuring minimal disruption to their daily lives.
  • No Prepayment Penalties: Some lenders, such as TFC Title Loans, do not charge prepayment penalties, allowing borrowers to pay off the loan early without incurring additional fees.

Why Choose TFC Title Loans in North Carolina

When considering North Carolina title loans, TFC Title Loans stands out as a reputable and customer-centric lender. TFC Title Loans offers the following benefits:

  • High Approval Ratio: TFC Title Loans has a high approval rate, providing borrowers with a greater chance of securing the funds they need.
  • Competitive Interest Rates: TFC Title Loans offers competitive interest rates, ensuring borrowers can repay their loans without excessive financial strain.
  • No Prepayment Penalties: Borrowers can pay off their loans early without incurring any prepayment penalties.
  • Exceptional Customer Service: TFC Title Loans prioritizes customer satisfaction, providing personalized assistance throughout the loan process.
  • Quick and Convenient Application Process: With TFC Title Loans, borrowers can complete the application process online or over the phone, saving time and effort.

Call TFC Title Loans Today

If you’re in need of quick funding in North Carolina, consider applying online for a title loan with TFC Title Loans. With their streamlined process, competitive interest rates, and commitment to customer satisfaction, TFC Title Loans is a trusted choice for title loans in North Carolina. Contact them at 800-250-6279 or visit their website to start your application today.


TFC Title Loans is delighted to extend its services to residents throughout North Carolina, encompassing major metro areas.



DISCLAIMER: As our policy to make sure you know what we do and what are our limitations, we offer you these disclaimers. We are NOT A LENDER and we do not make short term cash loans or credit decisions. We are a referral service and work only with licensed lenders/brokers.

We may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. We do not offer or service student loans.

*Loan amounts by the lenders vary based on your vehicle and your ability to repay the loan.

*Since we do not lend money directly we cannot offer you a solicitation for a loan, except in the state of California. In all other serviced states we WILL match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this Web Site may change from time to time and without notice. Personal Unsecured Loans and Auto Title Loans are not available in all states and all areas.

*Auto Title Loan companies typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan.

*All lenders are responsible for their own interest rates and payment terms. TFC Title Loans has no control over these rates or payments. Use of the work competitive or reasonable does not mean affordable and borrowers should use their own discretion when working directly with the lender.

*The amount of people who applied for a loan and we helped and those who received a loan is not the same. We cannot guarantee we will find a lender who will fund you.Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. Not all lenders can provide loan amounts you may see on this web site because loan amounts are limited by state law and/or the lender. Some lenders may require you to use a GPS locator device on your car, active all the time. They may or may not pay for this or charge you for this. This is up to the lender and we have no control over this policy of the lender. Typically larger loans or higher risk loans use a GPS.

*In some circumstances faxing may be required. Use of your cell phone to receive updates is optional.

*Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

*Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.

*Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at 1-844-242-3543 for immediate assistance.

Skip to content