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Home North Carolina Winston-Salem

Cash Advance
in Winston-Salem

When you need money urgently, you can start the inquiry process by filling in the simple online form!

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

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.


  • Car Title Loans
  • Payday Loans
  • Bad Credit Loans
  • Personal Loans
  • Online Title Loans
  • RV Title Loans


  • Apply by phone or online
  • Complete all necessary requirements
  • Get your money


  • Car details
  • Personal details
  • Car title
  • Identification
  • References


  • Keep driving your car
  • No prepayment penalties
  • No hidden fees
  • Quick funding
  • Personable service

Cash Advance in Winston-Salem, North Carolina: Everything You Need to Know

Navigating through unexpected financial emergencies can be a stressful experience, especially when payday is still a few days or weeks away. In such times, a cash advance can serve as a financial lifeline, providing you with quick access to funds when you need them most. This comprehensive guide aims to provide you with all the essential information you need to understand cash advances in Winston-Salem, North Carolina. Whether you’re curious about how these loans work, what requirements you’ll need to meet, or how to find a reputable lender—either online or close to home—we’ve got you covered. Read on to equip yourself with the knowledge you need to make an informed decision.

Key Takeaways

  • Cash advances in Winston-Salem offer a quick, short-term financial solution.
  • The application process is straightforward with minimal requirements.
  • Online options for cash advances offer convenience and speed.
  • US Cash Advance can connect you with reputable third-party lenders.
  • Always understand the terms, fees, and repayment schedule before accepting a loan.

What is a Cash Advance in Winston-Salem, North Carolina?

A cash advance in Winston-Salem, NC, is a type of short-term loan designed to provide quick access to funds, usually until your next paycheck. These loans serve as a financial bridge when unexpected expenses arise, such as medical emergencies or urgent car repairs. While a convenient solution, it’s essential to understand the specifics like how much money you can get, the Annual Percentage Rates (APRs), and the repayment schedules before taking out a loan.

How Do Cash Advances Work?

Cash advances are typically straightforward. You start by filling out an inquiry form—either online or in-store—providing basic personal information, employment details, and possibly a post-dated check. The lender then evaluates your application. If approved, the funds are usually deposited into your bank account or given in cash within a few hours or by the next business day.

How Much Can You Borrow?

In Winston-Salem, the amount you can borrow will depend on several factors like your income and the specific lender’s policies. However, North Carolina law sets the maximum loan amount at $500. Make sure to borrow only what you can pay back, keeping in mind that these loans come with high fees and interest rates.

What Are the Typical APRs?

APRs can vary widely depending on the lender and your credit score. In North Carolina, the maximum interest rate allowed by law is 36%. But with additional fees and charges, the effective APR can be much higher. Always check the APR and other fees before accepting the loan offer.

What’s the Repayment Schedule?

Cash advances are short-term loans, meaning you’ll usually need to repay the borrowed amount, along with any fees and interest, by your next payday. Some lenders offer more flexible repayment options, but those might come with additional fees.

Requirements for a Cash Advance in Winston-Salem

To qualify for a cash advance in Winston-Salem, you will generally need to:

  • Be at least 18 years old
  • Have a valid ID
  • Provide proof of income
  • Have an active checking account
  • Be a U.S. citizen or permanent resident

Pros and Cons of Cash Advance in Winston-Salem


  • Quick access to funds
  • Minimal requirements
  • Online and in-store options


  • High interest rates
  • Short repayment terms
  • Risk of falling into a debt cycle if not managed well

Online Payday Loans in Winston-Salem

Online payday loans bring all the advantages of a cash advance to your computer or smartphone. By using platforms like US Cash Advance, you can submit your inquiry form online and get connected to a network of trusted third-party lenders. Once approved, the funds are deposited directly into your bank account, sometimes within a matter of hours.

How Does US Cash Advance Work?

US Cash Advance is not a lender. Instead, it serves as a bridge between borrowers and trusted third-party lenders. When you fill out the online inquiry form, US Cash Advance sorts through its network to find a lender that suits your needs. The advantage is that you can do all of this from the comfort of your home, saving time and potentially getting better loan terms.

Cash Advance Near Me in Winston-Salem

For those who prefer a face-to-face interaction or don’t have access to the internet, there are various local lenders in Winston-Salem. You can find these lenders through a simple Google search or by visiting local directories. Look for lenders with good customer reviews and transparent terms.


Cash advances can be a lifeline in a financial emergency, but it’s crucial to handle them responsibly to avoid falling into a debt cycle. Whether you choose an online or in-store option, understanding the terms and repayment schedule is vital. Platforms like US Cash Advance can help connect you with reliable third-party lenders, offering a convenient way to meet your short-term financial needs.


1. Can I get a cash advance in Winston-Salem with bad credit?

Yes, many lenders offer cash advances to individuals with poor or no credit, although the interest rates may be higher.

2. How fast can I receive the cash?

Once approved, you can typically get the funds within a few hours or by the next business day.

3. Are there any restrictions on what I can use the cash for?

Generally, there are no restrictions. You can use the cash for any immediate financial needs like medical emergencies, car repairs, or utility bills.

4. Can I repay the loan before the due date?

Most lenders allow early repayments without any additional fees, but always check the lender’s policy to be sure.

5. What happens if I can’t repay the loan on time?

Failing to repay the loan on time can result in additional fees and a potential negative impact on your credit score. Some lenders may offer to “roll over” the loan, but this will incur more fees and increase your debt.

6. Can I apply for an online cash advance if I live in Winston-Salem?

Yes, online cash advances are available for Winston-Salem residents. Platforms like US Cash Advance can help you find a suitable lender.

US Cash Advance in Winston-Salem, 27103


152 Hanes Mall Cir unit A, Winston-Salem, NC, 27103

Open Hours

Mon - Fri

9am - 7pm


10am - 6pm




(336) 502-8079

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