U
USA Check Center (formerly Check Center)
Contact
BBB:
Express Mart Check Cashing in Charlotte, NC
Express Mart Check Cashing offers check cashing, payday loans, and financial services at their Charlotte, NC location with extended daily hours.
Data compiled from public sources · Rating from CreditDoc methodology
Express Mart Check Cashing Review
Express Mart Check Cashing operates as a financial services provider located at 8925 Nations Ford Rd, Charlotte, NC 28217. The company is listed primarily as a check-cashing service but also advertises payday loan products to consumers in the Charlotte area. The company offers check cashing as its primary service, along with payday loans ranging from $100 to $2,500.
According to their website, they provide a simple online form for fast access to funds and claim to offer same-day or rapid funding options. They position themselves as accessible for consumers who need quick cash solutions and accept walk-in customers during extended business hours. Express Mart distinguishes itself through its 7-day-a-week availability, operating from 9AM to 8PM every day of the week without closures.
This extended schedule makes the service available for evening and weekend financial needs. com. The company has received minimal independent review activity, with only 2 reviews recorded and a 3-star rating on the listing platform.
Limited review volume makes it difficult to assess consistent customer satisfaction or service quality. As with most payday and check-cashing services, consumers should carefully evaluate fees, terms, and the total cost of borrowing before using these services, particularly given the typically high APRs associated with short-term lending products.
Services & Features
Bill payment services (implied by website navigation)
Check cashing
Customer support via email
Customer support via phone
Online loan application
Payday loans ($100–$2,500)
Same-day or fast funding
Walk-in service
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Extended business hours: open 9AM–8PM seven days per week, including weekends
- Multiple loan amounts available: offers payday loans from $100 to $2,500
- Online application option: provides simple online form for loan requests
- Claims same-day funding: advertises fast access to funds for qualified borrowers
- 24/7 customer support access: states support team available around the clock via email
- Local Charlotte location: serves customers in NC 28217 zip code with physical address
- Easy contact options: provides phone number (+1 704-523-4764) and email support
Cons
- Minimal online reviews: only 2 reviews available, limiting ability to verify service quality
- Payday loan structure: likely carries high APR typical of payday lending industry
- Limited transparency: website lacks specific fee, rate, and term disclosures
- Potential predatory lending practices: check-cashing and payday loan combination common among high-cost lenders
- No alternative product information: no mention of credit-building or lower-cost options
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Frequently Asked Questions
Is Express Mart Check Cashing legitimate?
Yes. Express Mart Check Cashing is a registered company, headquartered in 115 E Arrowood Rd Ste A, Charlotte, NC 28217.
Quick Facts
- Headquarters
- 115 E Arrowood Rd Ste A, Charlotte, NC 28217
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Express Mart Check Cashing
Express Mart Check Cashing is best for Charlotte-area consumers needing immediate check-cashing services or short-term emergency cash loans outside standard banking hours. The primary caveat is that payday loans and check-cashing services typically carry high fees and APRs; consumers should exhaust lower-cost alternatives (credit unions, employer advances, emergency assistance programs) before using these services and should fully understand all terms and costs before borrowing.
Best For
- Consumers in Charlotte, NC needing urgent check-cashing services during evenings or weekends
- Individuals seeking short-term payday loans under $2,500 with fast funding
- People without traditional bank accounts needing check conversion to cash
Updated 2026-04-29
More Check Cashing & Money Services
R
Richmond Check Cashing
Contact
BBB:
N
Nikki's Check Cashing
Contact
BBB:
Financial Wellness Guides
What Actually Happens When You Miss a Payment
Missed a payment? Here's exactly what happens — day by day — to your account, your credit score, and your wallet. Plus what to do right now.
Read guide →Your First Credit Card: A No-Nonsense Guide
Never had a credit card? Not sure how they actually work? Here's everything you need to know — explained like nobody's trying to sell you something.
Read guide →Borrowing Money Explained: A Plain-English Guide
Loans, credit, interest, APR — explained simply, without the financial jargon that makes your eyes glaze over.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Express Mart Check Cashing and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.