How Can I Borrow Against My Car in Cary, North Carolina?

It’s always a challenge to make ends meet when your bank account is low. Perhaps your paycheck remains the same, but your area’s cost of living has increased. This situation is common for many Americans, and it can be tricky to combat inflation without outside help. 

If you have bad credit, you may think that a loan is out of the question. However, if you have a paid off or close to paid off vehicle, it may be easier than you think to get the help you need. As long as you meet the initial requirements and provide the necessary paperwork, inquiring about an online title loan can be simple.1

Borrowing against your car in Cary, North Carolina, involves having enough positive vehicle equity and proof of consistent income. The steps involved in applying are simple and straightforward! Qualified borrowers of a ChoiceCash title loan serviced by LoanMart could get their funds the same day they inquire.1 

Start your inquiry today by filling out the pre-approval form, or call 855-422-7402 to speak with a title loan agent.1 

How Can I Get a Title Loan Online in Cary, North Carolina?

To apply for a title loan online, you will need to use your smartphone, tablet, or computer to access the pre approval form! Or, give a title loan agent a call. The approval process can be handled online and over the phone for your convenience. You can apply for a title loan from the comfort of your home or wherever you have internet access today. Inquiring about a ChoiceCash title loan online in Cary, North Carolina, can be simple and straightforward.1

With a ChoiceCash title loan, you can expect your inquiry to look like this:

  1. Fill out Your Inquiry Form Online or Call a Title Loan Agent
  2. Submit a Few Documents to Verify Your Information and Vehicle 
  3. Get Approved and Get Your Money1

How Do Title Loans Work in North Carolina?

Title loans work by allowing you to borrow a percentage of the available equity in your vehicle. With a car title loan, your car title is the collateral for the loan. The use of collateral during the application process makes the loan secure! Once you obtain approval, lenders will place a lien on the vehicle title and remove it after the loan is repaid. 

While this may seem like a hassle, secured loans are typically more flexible to apply for than unsecured loans, and you can keep possession of your vehicle during repayment. 

A car title loan can be one of the best loan options for people that need funding as soon as possible because the approval process is simple and quick!1 

So why wait to see if your income and vehicle can qualify today? Call 855-422-7402 to speak with a ChoiceCash title loan agent.

What Are the Initial Requirements for a Title Loan in Cary, North Carolina?

Inquiring about a title loan can be convenient if you have some available equity in your car and you are able to meet the initial requirements. For a title loan, you must meet the following:

  • Be an Adult at Least 18 Years of Age or Older
  • Have a Qualifying Vehicle Title in Your Name
  • Have a Qualifying Vehicle With Some Positive Equity
  • Demonstrate the Ability to Repay the Loan

If you have misplaced or lack a vehicle title in your name, go ahead and visit the closest DMV office in North Carolina. You may be able to sort out your title issue by providing the right documents to a clerk. Your eligibility for a title loan and the potential loan amount will be affected by your vehicle’s equity, so having a qualifying vehicle is also essential during an inquiry! 

If you want an estimation of your car’s current equity, ChoiceCash borrowers can access a helpful online calculator tool, free of obligation.  

Will My Credit Score Affect My Eligibility for an Online Title Loan in Cary, North Carolina?

Auto title loans are collateral-based, which helps to minimize the lending risk if you do not have a strong credit score.That is why title loans can be much more flexible than unsecured loans!

Your credit history will still be considered, however, it is not the focal point of the inquiry process for a car title loan. Instead, the two factors that will matter the most to a title loan lender are:

  1. Your Ability to Repay the Loan
  2. Your Car’s Equity 

Can I Get a Title Loan Without a Job in Cary, North Carolina?

Yes! You may qualify for a title loan without a job in Cary, North Carolina. Many alternative income sources may be acceptable during your inquiry for a title loan! You can be unemployed when applying for a title loan, but you cannot use government unemployment as proof of income.

Providing proof of your ability to repay a loan is a federal requirement. Title loan lenders must ask for this proof before approving a borrower for a loan because it shows they can repay the loan. This regulation is a safety measure to prevent predatory lending practices. 

Suppose you do not work a traditional job. In that case, the following forms of alternative may be acceptable, but are not limited to:

  • Worker’s Compensation
  • Social Security Benefits
  • Alimony/Child Support Payments
  • Some Self Employment
  • Settlement Income

If you have questions about your circumstances affecting your eligibility for a title loan, contact a ChoiceCash title loan representative today by calling 855-422-7402.1

How Do Other Short-Term Loan Options Work in Cary, North Carolina?

There are other alternative loan options available, but they may not be the right fit for you. Title loans can be excellent for residents of North Carolina who need to access emergency cash quickly, but may have poor credit scores. Qualified borrowers may be able to receive their money within the same day as starting their inquiry!1

When it comes to short-term loan options, the most popular available besides title loans are usually:

  • Payday Loans: With a payday loan, you can access fast money by accessing a portion of your next paycheck. This option can help those who just need to stretch their budget between paydays. They may be fast loans, but they are not a fairytale. Payday loans are known for high-interest rates, origination fees, and other hidden fees that can lead you to a cycle of debt. The amount you may receive depends on how much you earn, which can be a roadblock for some people. The average payday loan is anywhere between $50-$500 dollars. 

    You must provide a pay stub when applying for this financial agreement, and they are only available in some states. If you need quick funding with competitive interest rates for qualified borrowers, ChoiceCash title loans could be the better alternative!1
  • Cash Advances: A cash advance is simply money you can access using your credit card. You may only be able to access a small amount of money depending on your card’s credit limit. 

    This short-term option can be okay for people who need a little bit of cash quickly, but don’t expect a substantial amount. In the end, taking out a cash advance may require you to pay a fee and another fee if you choose to withdraw from an ATM.
  • Title Pawn Loans: Title pawns are short-term loans that often give an applicant anywhere from 30 to 90 days to repay. Like a car title loan, you will use your car as collateral for the loan. Sometimes, you may need to part with your car during this agreement. Title loans work slightly differently in comparison. As long as you pay the amount back on time, you can continue driving your vehicle.

Can I Use a Title Loan to Help Pay for Rent in Cary, North Carolina?

The average rent in Cary, North Carolina, is around $1,700. While many borrowers use title loans to consolidate their debt, some use their funds to pay for a vacation, rent, or even a past-due medical bill. 

 If you’re finding it difficult to pay your rent, consider inquiring about an auto title loan to fill in those tough financial gaps in your budget. 

Qualified borrowers may receive their cash within the same business day as inquiring.1 Find out if your income and vehicle could qualify for an online title loan in Cary, North Carolina, today! 

What are the Benefits of an Auto Title Loan in Cary, North Carolina?

The benefits of an auto title loan in Cary, North Carolina, can be substantial for people who need financial help. For many, applying for traditional loans is a pain. The application process can involve a lot of red tape and it can be a huge hassle. 

Applying for a ChoiceCash title loan can include a lot of benefits for qualified borrowers to take advantage of:

Flexible Inquiry Process:

The inquiry and approval process for a car title loan can be flexible and straightforward. Working a traditional job is not a requirement, and having a less-than-perfect credit score may not affect a borrower’s chance of obtaining eligibility.1 

Keep Your Car:

Many North Carolina residents drive a car daily!  So naturally, the possibility of losing access to a primary car is scary. Fortunately, with a title loan, you can keep driving your car during the entire process. As long as you make regular payments, you don’t need to worry about losing your main method of transportation.1 

Many Repayment Options:

Paying back your title loan can be simple for most Cary, North Carolina residents. As a qualified borrower, you have many options to choose from.1 You can do the following:

  • Set Up an Automatic Withdrawal From Your Checking Account Each Month
  • Mail Your Payment to our Payment Processing Center 
  • Visit a Participating Money Transfer Location in Cary, North Carolina

The most significant advantage of a ChoiceCash title loan in Cary, North Carolina, is that you don’t have to visit an in-store location! You can inquire about funding from the comfort of your home using a smartphone or computer.1 

Should I Inquire About an Online Title Loan in Cary, North Carolina?

If you struggle to pay your bills, inquiring about an online title loan could be the solution you’ve been searching for. This option can be convenient, quick, and simple to get approval for, provided you meet the requirements and have the proper documentation.1

Start today by filling out this pre-approval form or calling 855-422-7402 to speak with a ChoiceCash title loan representative.1


Pay for your car title loan at any MoneyGram location in North Carolina. MoneyGram is often located in convenient public stores such as Wal-Mart, Kroger, or CVS. Call 855-422-7402 to discuss your options with a loan expert, or see the map and location list below to see where your nearest MoneyGram is located:

Addresses shown display closest MoneyGram locations. Map displays all MoneyGram locations in general vicinity.

    Locations near Cary, North Carolina

    ChoiceCash is proud to service residents all over North Carolina including metro areas . Call 855-422-7402 to discuss your options with a loan expert, or see the city list below to see where your MoneyGram locations near Cary:

    Featured Locations near Cary, North Carolina

    Nearby States by North Carolina That offer a ChoiceCash Title Loan