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Cash Advance in Raleigh, 27604

Raleigh, the City of Oaks, stands as a testament to growth and flourishing opportunities. Yet, life can throw curveballs. Financial uncertainties, be they unforeseen medical expenses, repairs, or any urgent costs, can arise, leaving one in a fiscal dilemma. This is where a cash advance in Raleigh can provide a pivotal relief. Let's unearth the realm of payday loans in Raleigh, NC, and see how they serve as a lifeline to those in need.

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.

How Do Payday Loans Operate in Raleigh, NC?

Payday loans, widely acknowledged as short-term financial aids, are designed primarily to bridge the gap between paychecks. Here's how they operate in Raleigh:

  • Loan Duration: These loans are usually short-term, meant to be repaid by your next payday. The tenure can range from a few days to a few weeks.
  • Loan Amount: The amount one can borrow typically ranges from a few hundred dollars to more than a thousand. The exact amount depends on various factors, including your monthly income and the state regulations.
  • Repayment Method: On the stipulated repayment date, the borrower is expected to pay back the principal amount along with any accrued interest and fees. Some payday lenders allow for automatic withdrawals, while others might require manual payment.
  • Rollover Option: If you can't repay on time, some payday loan companies might provide an option to roll over or extend the loan. It's essential to know that this might entail additional fees.

3 Easy Steps To Get a Cash Advance Loan in Raleigh


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

How to Get a Cash Advance and Payday Loan in Raleigh?

Acquiring a payday loan in Raleigh, NC, is a straightforward process:

  1. Initiate the Inquiry: The process begins by filling out an inquiry form, either online or offline. This form will capture essential details, including your financial and personal information.
  2. Approval Phase: Once your inquiry form is submitted, third-party lenders will review it. If you meet their criteria, you could get approval in mere minutes.
  3. Review the Agreement: After approval, lenders will present an agreement detailing the loan terms, including interest rates, fees, and repayment date. Ensure you understand every aspect of the contract before agreeing.
  4. Funds Transfer: On agreeing to the loan terms, the funds are usually transferred to your bank account.

Benefits of Taking out Payday Loans in Raleigh

  • Quick Cash Access: Among the foremost advantages is the speed. You can often get the cash within one business day, ensuring you address your financial emergency promptly.
  • Minimal Documentation: Unlike traditional loans, payday loans don’t entail cumbersome paperwork. Basic documents, coupled with proof of income and a bank account, usually suffice.
  • Bad Credit Isn’t a Barrier: Having a bad credit history in Raleigh doesn’t deny you access. Payday lenders are more interested in your current repayment capacity.
  • Transparency: Leading payday loan companies in Raleigh ensure complete clarity. Every term, condition, and fee is articulated upfront.

What Is the Cost of a Payday Loan in Raleigh?

The costs can vary, but typically, lenders charge a fee per every $100 borrowed. It’s essential to be informed about the interest rates and fees before committing. While these loans offer quick access to funds, they might come with a higher interest rate compared to traditional loans.

Online Cash Advance and Payday Loans

For those who appreciate convenience and speed, online payday loans in Raleigh are a boon. The inquiry process remains the same, but it’s digital. Funds get transferred electronically to your bank account, making the process efficient and hassle-free.

Payday Loans for Bad Credit

In Raleigh, a low credit score doesn’t necessarily impede your access to financial relief. Many payday lenders focus on your current financial stability rather than past mistakes. This inclusivity ensures that even with a less than stellar credit score, you still have a fighting chance to secure the funds.

In wrapping up, life in Raleigh, North Carolina, can be unpredictable. Financial exigencies can emerge from the blue, but with resources like payday loans, you have a safety net. Whether it’s an unforeseen medical emergency, an overdue bill, or an unexpected repair cost, we offer a solution to navigate these fiscal challenges. Remember, it’s not about the hurdles but how you overcome them that defines your journey.


  1. Is a payday loan the same as a cash advance?
    • Essentially, yes. Both terms are often used interchangeably to refer to a short-term loan meant to bridge financial gaps between paychecks.
  2. How soon can I access the funds after approval?
    • Typically, if you’ve opted for an online method, funds should be with you by the next business day.
  3. Is my credit score the sole determinant for approval?
    • No. While it’s a factor, many payday lenders in Raleigh focus more on your current repayment ability.
  4. Are there any hidden fees with payday loans in Raleigh, NC?
    • Trusted payday lenders ensure transparency. All fees are mentioned upfront. However, always read your loan agreement meticulously.
  5. What if I can’t repay my loan on time?
    • Some lenders might offer a rollover or extension. It’s essential to discuss this with your lender as this might come with additional fees.

Phone number

(919) 373-3757



112 Seaboard Ave unit 2, Raleigh, NC, 27604


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


4209 Six Forks Rd Ste 103, Raleigh, NC 27609


315 N Academy St, Cary, NC 27513


108 E Parrish St unit A, Durham, NC 27701

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