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Installment Loan Stores in Winston-Salem, NC

6 of the 30 pawn shops, check cashing and loan stores we list in Winston-Salem are installment loan options.

Installment loans differ primarily in repayment terms, interest rate structures, and whether they require personal property as collateral. Some lenders focus on unsecured personal loans with fixed monthly payments, while others specialize in auto title loans that use your vehicle as security. A map location will not tell you if a store handles auto loans, requires proof of income, or reports your payments to major credit bureaus.

  1. ACE Cash Express

    3583 N Patterson Ave, Winston-Salem, NC 27105

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  2. Royalty Finance

    1411 Plaza West Rd, Winston-Salem, NC 27103

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  3. All Checks Cashed

    1021 Waughtown St, Winston-Salem, NC 27107-3448

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  4. OneMain Financial

    1571 Hanes Mall Blvd, Winston-Salem, NC 27103

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  5. Time Financing Service

    8030 North Point Blvd, Winston-Salem, NC 27106-3251

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  6. Mariner Finance

    1113 Silas Creek Pkwy B, Winston-Salem, NC 27127

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Check lender requirements. Bring a valid government ID, your most recent pay stubs, a bank statement, and your vehicle title if you are applying for an auto-backed loan.

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Good to know

How do installment loans differ from payday loans?

Installment loans are repaid over several months or years through scheduled, equal payments rather than in a single lump sum on your next payday. This structure typically offers lower individual payment amounts, though total interest costs depend on the loan duration.

What do I need to apply for an installment loan?

Most physical storefronts require a government-issued photo ID, proof of steady income such as pay stubs, and an active checking account. If you are seeking an auto installment loan, you will also need to present the vehicle, its clear title, and proof of insurance.

Can I get an installment loan with poor credit?

Many storefront installment lenders work with borrowers who have low credit scores or limited credit histories. Approval often relies more heavily on your current income and employment stability, though interest rates are typically higher for higher-risk applicants.