Unexpected expenses can disrupt your budget in an instant. When a car repair, medical bill, or home emergency comes up, you need a solution that’s fast and reliable. Time Financing Service® offers emergency loans from $1,500 to $12,000, helping you manage life’s surprises with one simple monthly payment that fits your budget.
Why Choose Time Financing Service® for an Emergency Loan in North Carolina?
When timing is critical, you need a lender that can act fast and treat you fairly. Time Financing Service® combines quick decision-making with personal support and a genuine understanding of what our customers are going through.
Here’s what sets our emergency loans apart:
A simple application with quick approvals—online, by phone, or in-person
Fixed monthly payments that stay predictable over time
Flexible loan amounts designed to match your exact situation
Local offices across North Carolina for in-person help when you need it
From unexpected travel costs to home emergencies or medical bills, our lending team across North Carolina works quickly to create solutions that restore financial stability.
How do Emergency Loans Work?
Getting an emergency loan from Time Financing Service® is straightforward and fast. We’ve designed the process to eliminate red tape and get you the funds you need as soon as possible.
Step 1: Apply Online, by Phone, or In-Person
Start with a short online application, give us a call, or visit one of our 25 branches across North Carolina.
Step 2: Get a Decision Quickly
After reviewing your information, we’ll create a custom loan offer — typically between $1,500 and $12,000 — based on your unique circumstances.
Step 3: Receive Your Funds Fast
Once approved, you’ll get access to your funds quickly so you can take care of urgent expenses right away.
Step 4: Repay with One Predictable Payment
You’ll make one fixed monthly payment, keeping your finances organized and easy to manage.
When Should You Consider Taking Out an Emergency Loan?
An emergency loan can be a smart, responsible choice when you’re facing unexpected costs that can’t wait. It gives you access to immediate funds while protecting your long-term financial health.
Here are a few situations where an emergency loan can make sense:
Covering unplanned car or home repairs
Managing sudden medical or dental bills
Paying rent, utilities, or essential expenses
Handling travel or family emergencies
If you need quick support but want to avoid the cycle of revolving debt, an emergency loan provides structure and security without long-term consequences.
Where Can You Get an Emergency Loan in North Carolina?
You can get an emergency loan in North Carolina from Time Financing Service®. With 25 convenient locations across the state, our team makes it easy to get the funds you need quickly and locally.
For more than 60 years, we’ve helped North Carolinians handle unexpected expenses with fast, transparent, and personal lending. Our same-day approval process is designed to provide financial peace of mind when it matters most.
Find your nearest Time Financing Service® location to start your emergency loan application by phone, in-person, or apply online by visiting the link below.
Frequently Asked Questions
What is an emergency loan?
What can I use an emergency loan for?
How fast could I get approved for an emergency loan?
With Time Financing Service®, emergency loan approvals can happen as quickly as the same day**, depending on your application and documentation. Our streamlined process ensures you get funds fast.
**Available in most cases. Some exceptions may apply. Processing fees apply.
What do I need to apply for an emergency loan?
Can I use a personal loan for emergencies?
How much can I borrow with an emergency loan?
*All loans subject to the current credit policy of Time Financing Service®.
**Available in most cases. Some exceptions may apply. Processing fees apply.