Frequently Asked Questions

What are your requirements for a loan?

We look at:

  1. That you are at least 18 years of age and live within a 25 mile radius of our office.
  2. That you have a stable job or adequate income that is verifiable.
  3. The time on your job and residence.
  4. Credit references
  5. Your credit history meets our liberal credit requirements.
  6. Your Income to Debt Ratio.
What is the minimum amount I can borrow?

Our loans start at $500.00 and goes up to $10,000.

Do you do title loans?

We do personal loans using your title as collateral.

Do I need collateral?

Our loans are secured by various personal property including automobiles.  Our trained staff can help you with suggestions that will make this a simple process.

Do you accept co-signers?

Normally, we do not.  However, a qualified relative living at the same address could be considered as a joint-signer.

Can I have a prior bankruptcy and still qualify for a loan?

Depending on the nature of the bankruptcy,  we will only  consider a loan using a good vehicle for collateral.  Our trained staff can discuss this more in detail with you.

How soon will I have an answer on my loan request?

Usually within two hours.   A little longer if we have to wait on verification requests.

Do you report to a credit reporting agency?

Yes, monthly to Equifax.

Can I have more than one account?

North Carolina Consumer Finance laws only allows one open account at a time. However, if you qualify, you can have a Retail Loan such as an auto purchase, furniture or other purchased goods.

What method of payment do you accept?
  • Debit cards on-line and by phone only.
  • Personal checks
  • Money orders
  • Cash
  • We do not accept credit cards nor third-party checks.
How do I make a payment?
  1. Pay in the office (unfortunately, we are unable to accept debit or credit cards in the office)
  2. After business hours, you may place your payment through our night drop slot in the front door. (Please do not leave cash).
  3. Mail your payment to: Holiday Finance PO Box 61 Kannapolis, NC 28082
  4. Pay online or by phone using your debit card
    *There is a third party convenience fee charge for each transaction. *We are unable to accept credit cards.