Title Loans in North Carolina

3 Easy Steps

Here’s How to Get Your Cash1


Click or Call

The process is extremely fast. Apply over the phone or online.1


Submit Info

Submit documents by 2 pm PT, get your cash the same day3.


Get Your Money!

Get money sent directly to your bank account, or pick up your money at a participating location.

How Much Cash Can I Get For My Title Loan?

3 Easy Steps

Here’s How to Get Your Cash1


Click or Call

The process is extremely fast. Apply over the phone or online.1


Submit Info

Submit documents by 2 pm PT, get your cash the same day3.


Get Your Money!

Get money sent directly to your bank account, or pick up your money at a participating location.

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If you are from North Carolina and need money, there is a unique offer for you to inquire about. Try title loans serviced by LoanMart!1

Can I Get a Title Loan in North Carolina?

North Carolina, otherwise known as the “Tar Heel State,” is home to one of the richest histories in the United States. The Moonshine State(as previously titled) has been at the forefront of many pivotal moments, such as the Wright Brother’s first flight, the birthplace of Pepsi-Cola, and Babe Ruth’s first professional home run. While North Carolina residents may live in a state rich in history and mountains, they may not have the finances to match. What happens if North Carolina residents face an unexpected bill or expense that they don’t have enough money to cover? Thankfully, a car title loan serviced by LoanMart could assist those who need emergency cash!1

If you need to earn quick funding, you could use your car’s title and income to see if you qualify for a simple loan option.1 3 Borrowers could easily inquire about auto title loans in North Carolina by starting the title loan process online!1 It might only take a few minutes to get through before you receive instant approval.3

City in North Carolina

Don’t hesitate to apply online for the cash you need through North Carolina title loans today! Speak with a title loan agent from LoanMart at 833-910-2140 to learn more about the steps to obtain one. Borrowers could receive their funding in as little as 24 hours if they qualify!3

What Loan Options Besides Car Title Loans are Available in North Carolina?

Are you unsure of what financial route to take? It’s in your best interest to explore all the available loan options in North Carolina.

Take a look at some of the ways you could acquire funding and why an auto title loan may be your best alternative option to consider:

Payday Loans

A North Carolina borrower must usually repay a payday loan within a short term. However, they come at a high cost. For example, a lender might give you a loan amount of $500 or less, but you must typically pay them off with a single payment. Payday loans are meant to last a borrower in between paydays, so the loan term is anywhere from two weeks to 30 days, depending on your lender and state. In some instances, payday lenders can take the money you owe directly from your paycheck or alternative sources of income.

Payday loans don’t require collateral, unlike title loans, which makes them unsecured. They could have additional hidden fees and high-interest rates that can leave you in a cycle of debt. You could deal with origination fees that can charge you $10-$20 for every $100 you borrow. There are also late fees if you cannot make your loan payments on time.

With a car title loan serviced by LoanMart, you wouldn’t have to worry about hidden fees or prepayment penalties!5 If you’re approved, you could collect your cash in no time!3

Personal Loans

Besides a title loan, another loan you could consider is a personal loan. You could find personal loans through a:

  • Credit Union
  • Bank
  • A Licensed Lender

With a personal loan, lenders use your credit history and income level to determine your eligibility and loan amount. Without a good credit score and a steady income, it can be difficult to qualify for emergency cash through a personal loan. Even if you do qualify, the interest rate may not be ideal if your credit is not up to par.

Credit Card Advance

North Carolina residents with credit cards can take advantage of a cash advance! Some providers will allow you to access money if you have an available line of credit on your credit card. The advantage of using your credit card as a loan is that you will not have to apply for a new loan if you already have a provider.

Keep in mind that you could face the following if you decide to obtain a cash advance:

  • Cash Advance Fees: Some cards charge flat fees when making an advance, while others charge a percentage of the advance. The total you would owe can differ with every credit card company, but it’s usually between 5% to 10%, depending on the amount you withdraw.
  • ATM Fees: There may be a fee from when you withdraw cash. Those can range between $3 to $10.
  • The Amount People Can Take: Since you’re using a credit card, there’s a certain amount a provider can lend you; that can also apply to what you can withdraw from it as well. You might not have enough room in your credit line to borrow the money you need.
  • Interest Rates: With a credit card cash advance, the cash you can borrow can have the same interest rate(or higher) as a purchase with your card would. A credit card advance may help you temporarily, but with the interest rates, you could have a difficult financial situation on your hands.

Not every loan type can be the right fit for you. With a car title loan serviced by LoanMart, you can access a flexible title loan process that is streamlined to help borrowers just like you in North Carolina.1 If you have a qualifying vehicle and proof of steady income, it could be simple to qualify for a North Carolina title loan.1 Go online or contact a title loan agent from LoanMart at 833-910-2140 to start on your title loan inquiry!

How Does an Auto Title Loan in North Carolina Work?

A car title loan in North Carolina is a secured loan, which means you secure your money with your car’s title instead of just your credit history. Unlike some lending options that require an applicant to have perfect credit to obtain cash, you could simply use a qualifying vehicle title to secure quick funding through a title loan.1 3

Title loan lenders look for these two things when you inquire about a North Carolina auto title loan:

  • Possess a Vehicle Title With Enough Available Positive Equity
  • Have the Ability to Pay Off a Title Loan in Full

Collateral can often make the approval process for a title loan much more flexible- especially in comparison to an unsecured loan.1 Title loan lenders require a car title to ensure that borrowers will entirely repay their loan amount. When you begin the repayment process, a lien is placed on your title until you have completed your monthly payments. If you fail to meet your installments, lenders have the legal right to repossess your vehicle and sell it to recoup their lost amount. However, that is the last case scenario since it could be an expensive nuisance for lenders to go through. Once you finish your monthly payments, the lender will remove the lien.

Although you’re using your car’s title to secure funds, you can still drive your vehicle if you make consistent, on-time payments! That’s a huge perk to take advantage of.

What are the North Carolina Title Loan Requirements?

The requirements for online title loans in North Carolina could be simple to meet.1 You would only need to meet the following criteria initially when you inquire about car title loans serviced by LoanMart:1

  • Have a Title to a Qualifying Vehicle in Your Name
  • Provide Proof of Reliable Income or Alternative Income
  • Have Enough Positive Equity in Your Car
  • Meet the Age Requirement of Being 18 Years of Age or Older

You may worry about having a traditional 9-5 job to prove you can pay off a title loan, but don’t worry! As long as you have an alternative form of income, you could still satisfy the income requirement for a car title loan.1 If you desire a considerable loan amount, you must have a car with plenty of equity and an income level to support that total.1

But what if you don’t know your vehicle’s current equity amount? That’s okay! Equity is simply the difference between the market value of your car and what you owe on it ( if anything). The higher your vehicle’s value rate is, the more money you could potentially earn through a North Carolina title loan!1 Thankfully, an online calculator tool is available for title loan borrowers to quickly acquire an estimate with a quote, free of obligation.3 You could easily use the tool by inputting a few details from your vehicle:1

  • Any Cosmetic or Surface Damage Done to Your Car
  • The Make or Model of Your Car
  • The Year a Manufacturer Released Your Car
  • Any Modifications or Alterations Made to Your Car
  • The Style of Your Car
  • The Current Mileage Listed on Your Car’s Odometer Reading

What Documents Do I Need to Apply for a Car Title Loan in North Carolina?

A title loan agent will ask you to submit some documents during the approval process for a title loan in North Carolina. These documents can help them verify your information and speed the loan process along!3

As soon as you have them, you could send your documentation online in a flash!3

Be aware that you might have to send additional documents specific to North Carolina. If you are missing anything important like a driver’s license or car title, contact your local Division of Motor Vehicles for any details. You can anticipate submitting the following required paperwork during the inquiry process for an auto title loan:

  • The Title to Your Car: Before you inquire about car title loans in North Carolina, ensure that the vehicle title is in your name. Don’t worry if you share a name on the title! You may still be able to qualify for emergency cash if it meets the right criteria.1 If you lost or misplaced your car title, you could always speak with a title loan representative from LoanMart to help you find out how to request a title transfer, or replace it with a new one. North Carolina residents will have to complete and sign a North Carolina Lien Recording Application form, also known as the Division of Motor Vehicles form MVR-6.
    In addition to that, no matter which state you live in, there is a title loan requirement you must acknowledge:
    • If you’re still making payments on your vehicle, the title loan lender may ask you to sign a form authorizing them to pay off your existing loan. That way, you could still potentially apply for a car title loan even if you’re currently financing your car (if it meets the right criteria).1
  • Proof of Reliable Income: Don’t forget you have the option to use alternative sources of income to meet this requirement; there’s no need to have a 9-5 job to prove you can repay online title loans in North Carolina.1 You could validate your ability to pay off auto title loans by showing pay stubs, retirement income, worker’s compensation, bank statements, Social Security/Supplemental Security Income, a letter of employment from your employer, settlement income, or other approved alternative forms of income!1
  • Proof of North Carolina Address: To prove that you currently reside in North Carolina, you can use various documents to verify your address. Some examples include recent utility bills, rental/lease agreements, recent credit card statements, mail, phone bills, mortgage statements, etc. Dial 833-910-2140 if you have any questions about what other documents are acceptable for this part of the title loan process.
  • Recent Photos of Your Vehicle: Borrowers applying online for North Carolina title loans must submit themselves to a car inspection before being approved for emergency funding.1 Many traditional lending options tend to conduct in-person inspections, but you don’t have to with a car title loan serviced by LoanMart!1 Just use your smartphone to take clear and visible pictures of your vehicle’s hood, rear, driver’s side door, passenger-side door, VIN#(Vehicle Identification Number), and odometer reading number. Once you have them ready, you could scan the images and send them directly to a title loan representative.1
  • Proof of Government/State-Issued Identification: You must use a valid, government-issued photo I.D. to prove your identity to a title loan agent from LoanMart. North Carolina borrowers could simply do that by presenting their driver’s license, passport, or other certified state identification cards.
  • References: You may have to provide personal or professional contacts to a title loan representative.

Submitting these documents online means a title loan agent from LoanMart could respond to you in less than an hour!3 If you have any questions or concerns about documentation, contact a representative at 833-910-2140 for assistance.

What are the Benefits of a North Carolina Online Title Loan?

Assuming you’re looking to obtain an auto title loan in North Carolina, your first concern may be to find money to get back on your feet. But with a title loan serviced by LoanMart, you could access more than just quick funding!3

Take a look at some of the perks you could enjoy when you inquire about a car title loan serviced by LoanMart:1

  • Competitive Interest Rates:1 Interest rates partially determine how much you’d pay back during the loan process. But with title loans in North Carolina, you could work with competitive interest rates that could be convenient for your repayment period.1
  • Convenient Money Retrieval Process:1 The convenience of applying for a car title loan serviced by LoanMart means you don’t have to waste time traveling to collect money.3 Instead, you could set up a direct deposit to get quick funds!3 There are other ways to get your money as well.
  • No Hidden Fees:5 As you may have read previously, you wouldn’t have to deal with any hidden fees when you acquire a title loan serviced by LoanMart!5 Not only that, but you also have the opportunity to repay auto title loans early without a prepayment penalty.5
  • Convenient Online Process:1 Since collateral is the primary basis for loan approval, applying for a title loan could be much more flexible than other loan types.1 Even if you have a bad credit score, it wouldn’t necessarily lead you to be denied a car title loan.1

Dial the toll-free number if you have any questions about the listed benefits!

How Can I Apply for a Title Loan in North Carolina?

The process of obtaining a title loan could be simple when you inquire about one serviced by LoanMart!1 North Carolina residents could take advantage of a flexible loan process that allows them to access cash in as little as 24 hours!3 Just follow these three basic steps to begin:1

  • Inquire about a Title Loan by Submitting a Short Form Online or Call a Title Loan Representative from LoanMart at 833-910-2140.
  • Submit Your Required Documents
  • Get Your Title Loan Money if You are Approved!1

Find out if you meet the requirements to acquire a car title loan in North Carolina today!1 Contact a title loan agent from LoanMart at 833-910-2140 if you need help. Don’t wait to find out if you can qualify for the fast financial relief you need.

What Places in North Carolina Can I Get a Title Loan Serviced By LoanMart?

LoanMart is proud to help people all over the United States, including North Carolina and beyond! Look through the different LoanMart service areas and see which one is closest to your neighborhood:

Where Can I Repay a Title Loan Serviced by LoanMart in North Carolina

With a title loan serviced by LoanMart, you can expect convenienence during your loan experience. This convenience can affect how you apply and where you can repay your title loan funds! Once you have picked up your funds, you can quickly repay them at any participating MoneyGram location in North Carolina: MoneyGram is located all around the state, so chances are there will be a location nearby for you to access.

Not sure where the closest MoneyGram location is to you? Check out the map below, which features a drop-down list of a few MoneyGram locations throughout the state of North Carolina:

Don't Wait to Find Out if You Can Qualify for a Title Loan Serviced by LoanMart in North Carolina

If you are facing some challenging financial issues, don’t hesitate to see if your income and vehicle can qualify for the help you need! To get started, simply head on over to the LoanMart website and click the preapproval form. Or, give a title loan agent a call at 833-910-2140. They are available six days a week for extended hours to take your call!

Title Loan Services across the US

Learn now about title loan services and cash options in various states

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All loans will be serviced by LoanMart. See State Disclosures for additional information. LoanMart is currently not lending in California and does not make loans or credit.

1Loan approval is subject to meeting the lender's credit criteria, which may include providing acceptable property as collateral. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. Consumers need to demonstrate ability to repay the loan.

2Based on consumers who received a loan from LoanMart from February 2002 to October 2018.

3Application processes could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 2PM PT on a business day.

4To exercise the right to rescind, the consumer(s) must notify the lender in writing by midnight on the third calendar day from obtaining the loan. Within one business day from notice of rescission, the consumer(s) must return any monies received and fees paid on behalf of the consumer(s) by certified funds.

5Lenders recommend and encourage consumers to pay early and often and more in order to avoid additional finance charges.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver‘s license or other identifying documents.

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