The Best Title Loan Companies in North Carolina

The Best Title Loan Companies in North Carolina
Author : Chris Morgan
Updated on : January 22nd, 2023

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Named in honor of King Charles, North Carolina is an expansive state with lots of culture. From the 469-mile Blue Ridge Parkway affectionately known as “America’s Favorite Drive” to the beautiful waterfalls found within North Carolina’s mountains to the pine forests from which North Carolina gets its other nickname, "The Tarheel State,” North Carolina is abound with many wonders. 

For those who choose to make North Carolina home, it is considered one of the most affordable states in the country. According to, North Carolina is the 28th most expensive state with a monthly average salary of $4,324 making it an affordable and attractive living option. 

Although North Carolina is one of the most affordable states, there are times when people may need funds to cover unexpected expenses. For this reason, short term cash options such as title loans are an important convenience.

Are Title Loans Available in North Carolina?

Title loans are available in North Carolina. However, this availability is limited. Per the Consumer Federation of America, North Carolina is one of the states with title loan restrictions. In general, the availability of title loans via brick and mortar establishments is quite limited in an effort to enforce restrictive interest rates. Companies offering title loans must adhere to strict requirements when lending and for customers. 

The title loan consumer requirements include:

  • Must be 18 years old and older
  • Proof of verifiable income
  • Proof of North Carolina residency
  • A lien-free car title

How Do Title Loans Work In North Carolina?

Under the North Carolina Consumer Finance Act, North Carolina was one of the first states to limit title loans in 2001. This was largely due to the desire to tackle the high interest rates associated with readily available, fast cash options that do not require a credit check. Under this act, title loans are available at a minimum of $100 and a maximum of $50,000 with a maximum APR of 300%. These requirements to operate in North Carolina as a title loan provider have limited the availability of brick and mortar title loan companies in the state.

Best Online Title Loans In North Carolina

The following is a list of the best online title loan companies in North Carolina. These online title loan providers offer a convenience which allows individuals to assess title loans from anywhere.

Max Cash Title Loans

Max Cash Title Loans Logo

Our preferred choice for online title loans is Max Cash Title Loans. Max Cash has provided online loan services in the United States since 2008. With over one million customers served, they are a reputable source for online title loans.

What makes Max Cash unique is that it is an online loan broker. Its platform is set up to connect a variety of lenders with those interested in obtaining loan products and services. It’s as easy as submitting one application that is then processed to help individuals find their desired loan at the most affordable and competitive rates.

Some reasons Max Cash Title Loans is our preferred choice for title loans includes:

  • High-quality customer service
  • An easy online application
  • Service and rate transparency
  • An easily accessible, large network of loan lenders

Read our Max Cash review for more information about their loan services.


LoanMart Logo

LoanMart Is our second choice for online title loans. LoanMart operates as a direct loan lender, funding over 250,000 title loans since 2002. Those looking to expedite the loan process prefer LoanMart because loan funds are received directly from this company.

In addition, LoanMart has a three-day peace of mind guarantee which allows customers a three day grace period to cancel the loan contract without incurring any penalties or fees.

LoanMart comes highly recommended for title loans because:

  • They offer competitive loan rates
  • Customers receive funds quickly
  • They offer financial education resources
  • Three-day peace of mind guarantee

Check out our LoanMart Review for more details on this company’s loan offerings.

The Top 5 Local North Carolina Title Loan Companies

Online title loan services provide a convenience. However, sometimes individuals want a face-to-face experience, which is why we have provided five local North Carolina title loan companies below. 

Please note that due to the passage of the North Carolina Consumer Finance Act, brick-and-mortar title loan companies are limited throughout North Carolina. This act helped to provide consumer protection against predatory title loan practices. Thus, those entities which are offering title loans in North Carolina have met strict requirements to do so.

Consumers that are interested in title loans do have the option to use the limited brick-and-mortar title loan companies in North Carolina or opt to obtain title loans from a preferred online title loan provider such as MaxCash.

Here are five local North Carolina title loan companies to help you access emergency funds fast.

Lendmark Financial Services LLC

Since 1996, Lendmark Financial Services LLC has provided an assortment of loan products and services. Currently this company has over 500 branches in 21 states throughout the United States. Those interested in obtaining a title loan can begin the qualification process online or at one of the local branches. 

To expedite the loan process, title loan applicants must provide a lien-free title from a vehicle registered in their name, proof of steady income, proof of residency, and bank account information. Upon review of the qualifying information and signing of the loan agreement, customers can receive title loan funds via direct deposit or in person.

Contact Information:

  • Address: 3625 Mt. Holly-Huntersville Rd, Suite 405, Charlotte, NC 28216
  • Phone: (704) 504-7477

Regional Finance

Regional Finance Logo

Regional Finance has made its mark in the finance industry offering loan products specifically to people with less than stellar credit. With over 350 locations in 18 states, Regional Finance continues to fulfill a vital need providing access to loans for over 30 years. Title loan applicants can pre-qualify by completing an online application, 

The completion of the title loan must be done at a local branch. Applicants must bring a title of lien-free vehicle registered in their name as well as proof of income and North Carolina residency. Upon completion and approval of the title loan application, customers can receive funds cash in hand or via direct deposit.

Contact Information:

  • Address: 3250 Wilkinson Blvd Suite H, Charlotte, NC 28208
  • Phone: (773) 741-4865

ACE Cash Express

ACE Cash Express Logo

ACE Cash Express is a premier financial services company offering an array of financial and loan products such as check cashing, money transfers, bill pay services, and debit cards since 1968. ACE Cash Express has A+ rating with the Better Business Bureau ensuring that customers can trust them to provide stellar financial services. For title loans, applicants use their car as collateral for loan funds. 

The amount offered for a title loan depends on the make, model, condition of the vehicle. The title loan application must be completed in-store. To expedite the process, applicants are encouraged to provide proof identity, proof of steady income, and a clear vehicle title in the name of the title loan applicant.

Contact Information:

  • Address: 228 Eastway Dr Ste 4, Charlotte, NC 28213
  • Phone: (704) 596-5425

Advance Personal Loans

Advance Personal Loans Logo

Advance Personal Loans prides itself on offering loan services with its quick, convenient online application. Choose from both secured and unsecured loans. For title loans, applicants complete an online application providing essential information such as verifiable proof of income, state-issued identification, and a lien-free title. 

Once the online application is complete, a loan agent will contact the applicant to confirm approval of the title loan. The applicant will be presented with a loan offer and upon acceptance, the loan funds can be received via direct deposit or cash-in-hand at an in-store location.

Contact Information:

  • Address: 7724 Pineville-Matthews Rd, Charlotte, NC 28226
  • Phone: (704) 666-4255

Sharp Personal Loans

Sharp Personal Loans Logo

Sharp Personal Loans provides a simple and quick online application for both secured or unsecured loans. Title loans are specifically secured with a lien-free vehicle title. To begin the title loan process, consumers can request a loan by completing an online application. 

It is important to note that the amount of loan funds received is determined after a thorough review of the vehicle equity. Upon the completion and approval of the title loan, the applicant can accept the title loan offer which will come with a title loan repayment schedule. Loan funds are typically available within one to seven business days depending on the funding method.

Contact Information:

  • Address: 2616 S. Loop W. Suite 435 Houston, TX 77054
  • Phone: (713) 661-5505
  • Email:

How Much Can I Borrow Against My Car?

The funding amount of a title loan is based on several factors. First, all vehicle titles used for title loans must be lien-free as it is not possible to receive a loan on a vehicle that is still being paid off. Most title loan companies will request verifying information such as the vehicle identification number (VIN). 

In order to determine the condition of the vehicle, some title loan companies will request the applicant to send pictures of the vehicle being used to secure the title alone. Other title loan companies will request an in person vehicle inspection. Ultimately, the amount of money offered for a title loan is contingent on the vehicle make, model, and condition.

To find out more about title loan companies and what they offer, check out our post on the Best Online Title Loans of 2023.

Do Title Loans Hurt Your Credit?

One of the main reasons why title loans are a preferred option for emergency cash is that they do not require a credit check. This makes it easier for those who have no credit and/or poor credit to obtain the loans funds desired. Most companies offering title loans do not require a credit check nor do they report the title loan repayments to the major credit bureau--unless they state that they do so to help improve credit ratings. 

The downside to this is that if the title loan is not paid off in full, the title company can repossess the vehicle used as collateral for the loan. Repossession, however, is not something a title loan company wants to do. In fact, it’s a real hassle for them. They would much rather work with a customer and adjust their payment plan schedule.

If you are interested in improving your credit, check out our post on How to Fix My Credit Score Myself.

Does Paying Off A Title Loan Help Your Credit?

Similar to obtaining a title loan, paying off a title loan does not impact your credit. There are some title loan companies that report title loan repayments, so those interested in rebuilding and/or improving their credit can take advantage of this service. However, typically paying off a title loan doesn’t impact credit.

While a title loan doesn’t help with credit improvement, our post on The Best Credit Repair Companies in the United States offers information on companies that assist with credit repair.

What Are The Disadvantages of a Title Loan?

Title loans are an excellent way to access fast cash. However, as with all financial products, it is important to use title loans responsibly. Given that a vehicle title is used to secure the title loan, the failure to repay the title loan could result in a vehicle repossession. 

Individuals, however, are allowed to continue driving their vehicle while paying off the title loan. Lenders realize that people often need their car to get to work, and they would much rather alter the payment schedule before repossession. In the end, the lender does not want anyone’s car. They want their money.

Due to the high costs associated with title loans and due to the high interest rates and fees, it is important to only borrow what can be comfortably repaid. Take a look at our post on the Best Car Title Loan Refinance Companies of 2023 for options on how to make title loans more affordable and advantageous.

Conclusion and Next Steps

Let’s take the steps to get you set up with the title loan that you need! We know that the online and local North Carolina title loan companies will get you well on your way to receiving fast cash.

We suggest you head on over to our recommended online title loan provider Max Cash to begin the title loan application. An easy-to-use online platform awaits to connect you with a variety of lenders offering competitive rates for your title loan.

If you need cash fast, get in touch with

Max Cash.

Max Cash Title Loans Logo

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About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.

Learn more about Chris Morgan

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