Need Quick Cash?
No Problem!

How Much Do You Need?

Express Loan – Get a Free Quote

High Security

256-bit SSl

TLS Security

Cash Advance in Durham, 27701

Customer centered service

Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

Easy application process

We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply either by phone or online.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

Our main advantages

Swift is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Swift apart from its competitors, here’s what customers should know about the Swift difference.

3 Easy Steps To Get a Cash Advance Loan in Durham


Get Started

Fill in the simple online inquiry form and you can get connected swiftly to trusted third-party lenders in our network.


Get an Offer

The lender will present you with a cash advance loan offer that suits your financial needs.


Get Your Cash

Once you sign the loan agreement, the cash can be yours in no time, sometimes even on the next business day.



Fast Access To Cash

Bad Credit Is Not A Deal-Breaker

No Collateral Required

Minimum Paperwork

Use The Money For Any Purpose



Source Of Income

Checking Account

Valid Identification



Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Receive & Review The Offer

Sign The Contract

Get Cash

Cash Advance in Durham, North Carolina: Everything You Need to Know

Financial emergencies are a part of life, and when they occur, getting immediate access to cash becomes a priority. In Durham, North Carolina, cash advances serve as a financial lifeline to many, providing quick and convenient options when you need money the most.

What is a Cash Advance in Durham, NC


A cash advance is essentially a short-term loan designed to help you cover immediate cash needs until your next payday. In Durham, you can get a cash advance either from a lender’s physical location or an online platform.

How it Works

When you take out a cash advance, you’re borrowing against your next paycheck. Once your application gets approved, you receive the funds, which you will need to repay along with any fees and interest by your next payday.

Payday Loans and Cash Advance

The term “payday loan” is often used interchangeably with a “cash advance,” and they function in a similar way. Both are short-term loans intended to tide you over until your next paycheck.


To qualify for a cash advance, you generally need the following:

  • Be at least 18 years old.
  • Valid identification.
  • Proof of regular income.
  • An active checking account.


The repayment period usually coincides with your payday and often ranges between two and four weeks. Some lenders may offer more flexible repayment options, but generally, you are expected to pay back the full amount, along with fees and interest, by the due date.

Pros and Cons


  • Quick and easy access to cash.
  • Minimal requirements.
  • Available for bad credit borrowers.


  • High-interest rates.
  • Risk of falling into a debt trap.
  • Short repayment terms.


Before opting for a cash advance, consider alternatives such as:

  • Personal loans.
  • Credit cards.
  • Borrowing from friends or family.

Online Payday Loans

How Do They Work

Online payday loans are essentially cash advances that you can apply for online. You fill out an online form, get connected with a lender, and if approved, the money is transferred to your account.

24/7 Cash Advance

One advantage of online payday loans is the ability to apply 24/7, providing unparalleled convenience in emergency situations.

How to Select the Best Lender

When selecting an online lender, pay attention to:

  • Interest rates.
  • Repayment terms.
  • Online reviews.

Payday Loan Near Me in Durham

Online Lenders vs. Local Lenders

While online lenders offer the convenience of a quick and streamlined process, local lenders provide a more personalized experience but may have more stringent requirements.


How Online Payday Loans Work

Online payday loans offer a fast and convenient way to secure much-needed funds from the comfort of your home. Unlike traditional loans from brick-and-mortar institutions, online payday loans streamline the entire process. Here’s how it works: You go to a payday loan website, fill out a simple inquiry form, and submit your application. The lender then reviews your information and if you meet the criteria, your loan is approved. After approval, the loan amount is deposited directly into your bank account, usually within 24 hours or less.

The Application Process

When applying for an online payday loan, you’ll typically need to provide information such as your name, address, Social Security number, employment details, and income. It’s essential to have all your documents ready to make the process as smooth as possible. After submitting your application, you’ll usually receive an instant decision. If approved, the funds can be transferred to your account as soon as the next business day.

Quick Access to Funds

One of the most significant advantages of online payday loans is the speed at which you can access funds. In many cases, you can get the money deposited into your account on the same day or the next business day. This is crucial when you are in an emergency and need immediate access to cash.

How to Choose the Best Online Lender

Choosing the right online lender is vital for a positive experience. Here are some tips to help you make an informed choice:

  • Interest Rates: Compare interest rates across multiple lenders. The lower the interest rate, the less you’ll pay back in total.
  • Fees and Charges: Make sure you are aware of all fees and charges before taking the loan. Hidden fees can significantly increase your repayment amount.
  • Repayment Terms: Choose a lender that offers flexible repayment options. This will make it easier for you to pay back the loan without additional financial strain.
  • Customer Reviews: Check customer reviews and ratings to gauge the lender’s reputation. Positive feedback from other borrowers is generally a good sign.
  • State Regulations: Ensure the lender adheres to state regulations concerning payday loans, including maximum loan amounts and fees.

Why Use Online Payday Loans?

Online payday loans offer unparalleled convenience, speed, and accessibility, especially when you need funds urgently. These loans are designed to meet short-term financial needs and are not a solution for long-term financial issues. Still, they can be a lifesaver in situations like medical emergencies, urgent car repairs, or unexpected bills.

It’s essential to note that although online payday loans offer many advantages, they should be used responsibly. The interest rates are generally higher than other types of loans, making it crucial to read the terms and conditions carefully and understand the repayment schedule fully. Always make sure you can meet your repayment commitments to avoid falling into a cycle of debt.

How US Cash Advance Works

US Cash Advance serves as a connecting service, linking you with a network of trusted third-party lenders in Durham. By filling out the inquiry form, you can get matched with a lender that fits your financial profile.

Financial uncertainties are unavoidable, but options like cash advances can offer a temporary respite. However, they should be used responsibly to avoid a cycle of debt. Always weigh the pros and cons, and consider all available options to make the best decision for your financial well-being.


Is it legal to take out a cash advance in Durham, North Carolina?

Yes, cash advances are legal and regulated by state laws.

What’s the maximum amount I can borrow?

The loan amount varies depending on the lender and your financial status.

What if I cannot repay the loan on time?

Late payments could result in additional fees and a negative impact on your credit score.

Can I get a loan if I have bad credit?

Many lenders offer loans to those with poor credit, but at higher interest rates.

How long does it take to get approved?

Approval can be as quick as a few minutes, especially for online applications.

Is my data secure with US Cash Advance?

US Cash Advance takes data privacy seriously and employs security measures to protect your information.


Phone number

(919) 343-9423



108 E Parrish St unit A, Durham, NC, 27701


Open hours

Mon – Fri:

9am – 7pm


10am – 4pm





Fast Process

When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.

Near Locations


315 N Academy St, Cary, NC 27513


4209 Six Forks Rd Ste 103, Raleigh, NC 27609


112 Seaboard Ave unit 2, Raleigh, NC 27604

Looking for a fast loan?

Begin your cash advances journey today!

Apply Now

Skip to content