Time Financing Service

Time Financing Service® is one of North Carolina's largest independent consumer finance providers and its trusted go-to for same-day personal loans from $1,000-$10,000.
We are family-owned and operate solely within North Carolina, employing almost 150 team members across our 24 branches.

Established in 1964, we have been helping our friends and neighbors in North Carolina communities for over 50 years to live more and worry less for a wide range of purposes, such as:
• Family vacations
• DIY projects
• Unexpected bills
• Special gift for that special someone
• Other major purchases



Simply download this app, login in, and manage all aspects of your loan from the convenience of your fingertips:
• View Account Information
• Makes Payments
• Send Feedback and secure messages to TFS
• Apply for a new loan
• Receive push notifications



We offer loans with Annual Percentage Rates (APR) between 18.00% and 35.99%. The minimum repayment period is 12 months, with the maximum period of 60 months. The following is an example and is not an offer of credit: $1,500 loan, $25 loan fee, and monthly payments of $97.82 for 20 months which results in an annual percentage rate (APR) of 32.1%. In this example, the total amount paid to Time Financing Service® is $1,956.40, meaning the total cost of the loan would be $456.40.