Get cash today with an instant approval title loan in Charlotte NC.

We offer access to online title loans in NC or you can call us at 800-250-6279!


Apply for a loan of up to $20,000 with a title loan online in Charlotte, NC. You can be approved with bad credit and most will qualify with just a paid off vehicle. You don't need good credit to be approved!

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    During a financial crisis, you may need fast cash within 24 hours or less and it may turn out that a car title loan is an effective solution to borrow money with your vehicle’s equity.

    In Charlotte, North Carolina, a title loan can open access to money by using the collateral in your vehicle as security for a loan. Other than proof of income, there are no other significant requirements besides a lien free car title. There’s no need to turn over the keys to your car to the lender. You’ll keep driving the vehicle, and the lender holds the pink slip as collateral until the loan is fully repaid.


    Loan Amounts & Payment Terms For Title Loans In Charlotte.

    The average loan amount for a title loan in Charlotte will be around 30-60% of the vehicle’s value. On average you should be able to borrow $1,000 to $6,000 from a title loan lender in Charlotte, and some local companies can lend more than $10,000 on vehicles with significant values.

    The payment terms for a title loan will fall between 5 months and 4 years, and they can even be extended further than that. As of 2023, the average repayment term in North Carolina is 18 months and of course, there are no penalties or fees for paying off the loan early to avoid higher interest rates.

    When it comes to the interest rate or “APR” for your loan, you should expect a rate that’s comparable to payday loan advance companies. That means the rate will be high and much higher than what’s offered by a bank lender that checks credit. Expect an APR of 100-300% on your first title loan in Charlotte, with more manageable rates if you’re a repeat customer.


    Why Apply For A Charlotte Title Loan

    Looking at the high interest rates you may not see any benefit of applying for a Charlotte title loan online. If you have good credit, it may not even make sense to go with this type of loan because you can get a lower rate with an installment loan. However, most of our customers in North Carolina can’t qualify for those unsecured loans and that’s why a title loan may be a decent option.

    Apply for a title loan in Charlotte because it may be the only way to borrow cash in a financial emergency. No lender will work with someone with poor credit, but a title loan company will likely not even check credit if there’s enough equity in your lien free vehicle.

    Other customers apply for NC title loans because of the flexible payment terms and the fact that the underwriting process is so simple. Avoid having to spend time waiting in line at a bank or credit union by getting cash from an equity lender online. Most companies in Charlotte can process and release your funds in less than 24 hours if all the requirements have been met! Storefront loan processing is also a way to get cash with your vehicle’s collateral. Still, it may take longer to underwrite the loan if you submit the documents in person versus online.


    Charlotte NC skyline at night.


    What To Expect With An Auto Title Loan Contract

    You should have no problems getting approved for an online title loan in Charlotte, but do you know what to look for with the loan contract? Ensure the lender has disclosed all the fees that come with your loan. By law, your finance lender needs to disclose the exact lending costs, and you should not sign a contract that doesn’t have the proper disclosures. One more thing to note, the disclosures and lending contract must be provided in written form. The loan docs can not be signed and completed entirely online in Charlotte, NC, and you should consult with city and state laws before moving forward with your lender.


    Online Title Loans In Charlotte – Apply Now

    Find out your estimated loan amount and financing rates by applying for an online title loan in Charlotte with Premier Title Loans. We’ll review and discuss your lending options with you and recommend the best title loan offer in Charlotte.

    There’s no obligation to apply online, or you can call us at 800-250-6279. We’ll spend 10-15 minutes reviewing your information and look to get you a title loan of $2,5000 or more in NC!