Our goal is to provide prompt, local lending decisions so you can move forward as quickly as possible.

Documentation requirements may vary depending on your loan and personal circumstances. Typically, applicants may be asked to provide:

• Government-issued photo ID
• Proof of income
• Proof of residence
• Employment information

We understand that every financial situation is different. If your credit history isn't perfect, we still encourage you to apply. Every application is reviewed individually, and our team will work with you to determine the financing options that may be available.

We offer financing solutions designed to meet a variety of needs, including:

• Personal Loans
• Used Auto Financing
• Retail & Furniture Financing

Our team can help you choose the loan that's right for your situation.

Yes. You can complete our online application at your convenience, visit our office to apply in person or call our office at(704) 932-3162. Our local team is available to help throughout the process.

We upload a file of all customers on the first working day of each month to Equifax.  We do not report to Transunion or Experian. 

Yes. You may payoff with no early payoff penalties. Please always contact our office so we can quote your exact amount.

You can call our office at(704) 932-3162, visit our office at 1410 Dale Earnhardt Blvd Kannapolis NC 28083, use the Contact Us page to get in touch, or email us at info@holidayfinance.net. Our friendly team is always ready to answer your questions.

To qualify, applicants typically need to live within 25 miles of our office and have been a resident of the area for at least three years. Contact us today to confirm other qualifications and learn more about our financing options.

We do personal loans using your title as 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.

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 in more detail with you.

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.

1. Pay 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 these transactions. **We are unable to accept credit cards.

If you can't find the answer you're looking for, we're here to help. Contact Holiday Finance today, and our team will gladly assist you with your loan or account questions.