Up to $1,000, 0% interest and no fees, with 6- to 20-month repayment terms

Up to $120, 0% interest and no fees, with 6- or 12-month repayment terms

At Common Wealth Charlotte, we believe a loan is better than financial assistance. Why? Because by using a loan you become stronger financially. You get the funds you need, and when you pay it back you make the funds available for someone else. You pay it forward. And you may even see an increase in your credit score. Here’s how CWC loans are different.

You read it right. 0% interest. Nada. Payday and title loans charge 200%, 300% or more. At Common Wealth Charlotte, you pay 0%. Pay back what you borrow and not a penny more.

No late fees. No prepay fees. No finance charges. No fees at all. None. Where else will you find a loan that has no fees?

Can’t make your payment this month? No problem. Call us and we’ll give you a payment deferral. No questions asked. We want you to succeed - repay your loan and possible raise your credit score along the way.

Banks have loan officers. At Common Wealth Charlotte, you’ll have a loan counselor. You’ll stay in touch for the length of your loan for ongoing financial advice.

You’re not pre-approved. But we don’t base loan decisions on your credit score. We base them on YOU. We look at your credit report, talk with you about what happened, and do our best to approve you for a loan.