Personal Loans From $500 to $10,000

Whatever life brings, a Holiday Finance personal loan can help you cover it—from $500 up to $10,000, with terms built around what you can actually afford.

Whatever Life Brings, We Can Help

From $500 up to $10,000, with terms built around what you can actually afford. Apply locally and get a real, human decision.

Frequently Asked Question

  • How much can I borrow with a personal loan?

    Loan amounts range from $500 to $10,000 depending on eligibility and requested use. Apply to get a personalized answer.

  • Do I qualify for a Holiday Finance personal loan?

    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 eligibility and learn more about our financing options.

  • 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.

  • 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 in more detail with you.

  • Can I have more than one account?

    North Carolina Consumer Finance laws only allow 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.

  • How do I make a payment?

       

    1. Pay in the office.

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    2. After business hours, you may place your payment through our night drop slot in the front door. (Please do not leave cash.)

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    3. Mail your payment to: Holiday Finance PO Box 61 Kannapolis, NC 28082

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    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.



  • Why choose a personal loan vs. using a credit card?

    A personal loan has a fixed schedule (ex. 18-24 mos) with an ending date and the same monthly payment making budgeting easier. Credit cards offer a minimum payment that fluctuates and often is little more than your monthly interest which stretches repayment over a much longer period.