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news blog > article

Charlotte woman gets $400,000 a year for 20 years as $8 million prize

July 8, 2025 Posted by NC Lottery at 12:05 PM
image-photo

Latonya Rayford of Charlotte tried her luck on a $50 scratch-off and won a $8 million top prize that she will collect in $400,000 annual payments for 20 years.

She bought her lucky $8 Million Money Maker ticket from the BP Food Mart on West Sugar Creek Road in Charlotte.

When Rayford arrived at lottery headquarters Monday to collect her winnings, she had a decision to make. She could choose to receive her prize as an annuity of $400,000 a year over 20 years or a lump sum of $4.8 million.

Rayford chose the annuity of $400,000 and received the first of her 20 payments on Monday. After required state and federal tax withholdings, she took home $287,014. For the next 19 years, she’ll get a check for $400,000 until the full $8 million prize is paid.

The $8 Million Money Maker game debuted in December with five top prizes of $8 million and 10 prizes of $100,000. Three $8 million prizes and seven $100,000 prizes remain to be claimed.


53 COMMENTS

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7/20/2025 08:10 - Faith R.

Congratulations!

7/19/2025 06:05 - Sheila I.

Rough part of Charlotte which let people know, the winning tickets can be ANY WHERE. Congrats to her and she's 54.

7/17/2025 12:06 - Paula F.

Congratulations ????

7/16/2025 10:00 - charmie w.

What a blessing, so make sure you treat it like one. Amen

7/15/2025 02:48 - Talya G.

So happy for you! I'm next!

7/15/2025 02:29 - Kelly B.

Congratulations! All my losses lately have helped you in your winnings, is how In going to look at it young lady! May God bless you and I pray you enjoy abs use it wisely! ??????

7/14/2025 10:15 - Adelina D.

Actually, it’s called present value of money, if you get the lump sum and invest it wisely, you can make more money than annuity. Not even counting on inflation. Always better to get cash value!

7/14/2025 05:45 - joseph P.

Congratulations. Charlotte in the House

7/14/2025 05:29 - johnnie j.

That's alright. You must be very YOUNG'. HA HA.'

7/14/2025 04:42 - Iesha P.

CONGRATULATIONS WOW

7/14/2025 03:21 - Robert M.

Happy, Happy,Joy,Joy!!!! My Day is on the way ??????!!!

7/14/2025 08:14 - Vashanda W.

Congrats to Latonya.

7/13/2025 10:35 - VENKATA SIVA PRASAD V.

Congratulations on your win... :)

7/13/2025 08:54 - Sharon H.

@NCEL When a person chooses annually payout..God forbid that nothing happened.What happens with the remaining payout.NC Lottery
Hi, Sharon! When a player chooses the annuity option with our games, they're guaranteed payments for 20 years. In the unlikely and unfortunate event where a winner passes away before claiming those 20 payments, the remaining payments would be paid to the winner's estate.

7/13/2025 08:49 - Sharon H.

Congratulations Latonya!

7/13/2025 04:20 - Rodney W.

Latonya you are very smart taking the annuity you will end up getting more money well done .Congratulations

7/13/2025 08:12 - Charles B.

Congratulations

7/12/2025 07:12 - Patricia M.

Congratulations on the big win

7/11/2025 09:50 - joanie m.

Congratulations way to go

7/11/2025 02:43 - Nancy B.

Congratulations

7/11/2025 10:54 - Serita W.

Yes! Congratulations, so happy for you!

7/11/2025 05:31 - Frank M.

Congratulations LaTonya!!! I try to play something everyday and I always tell my friends, you cannot win if you do not play. So stop dreaming folks, and play the games to win!! LaTonya will tell you, it can be a very positive life changer to win it big like she has...You go GIRL!!!

7/11/2025 01:09 - Arthur B.

Great job. Well done my dear.

7/11/2025 12:27 - Lily W.

I’m so happy for her! I’m going to be next.. I claim it

7/10/2025 11:23 - obadiah j.

Should have taken the 4.8

7/10/2025 08:08 - Nadine W.

Congratulations Latonya!

7/10/2025 06:29 - Sabrina D S.

Congrats!!

7/09/2025 10:59 - Darryl B.

Blessing. GOD'S GOOD ALL OF TIME.I SEEN HER HELP SOMEONE FOR YEARS AND GOD HAVE BLESSED HER.

7/09/2025 10:49 - William A.

Nc lottery should payout the full amount. These annuities are a joke! This isnt publishers clearing house! NC lottery has a record take but cant pay a jackpot with out taking 40% of the players money. We sure didnt get a 40% discount on that $50 ticket.???

7/09/2025 08:11 - Latandra V.

Congratulations Latonya!

7/09/2025 07:03 - Philip A.

@NCEL currently there is no BP on West Sugar St., so NCEL come again with the exact location unless it's a fake news.NC Lottery
Hi, Philip! This ticket was purchased from the location at 516 W. Sugar Creek Rd.

7/09/2025 02:21 - Toriano H.

God is good.... Always on time .... I'm next in line....

7/09/2025 02:00 - Toriano H.

God is good, Always on time.... Be Blessed....

7/09/2025 05:47 - Saul Ernesto J.

Awesome ?? ?? congratulations

7/09/2025 05:25 - John J.

Awesome, Good job, can't win unless you play!!!

7/09/2025 01:46 - Robert f.

Congratulations from Charlotte,my home town hope I will be next to win the top prize enjoy!!!!!!!!

7/09/2025 01:14 - Kimberly D.

Congratulations!!!

7/08/2025 11:34 - Yulandar S.

Congratulations beautiful!!! Bless up!!

7/08/2025 10:45 - althea T.

Congratulations Latonya??????????

7/08/2025 10:40 - David C.

So happy for you. I love to hear people winning!!

7/08/2025 09:57 - coleman h.

Dang That Bp always Win! I love the digital instants but maybe I should do a little more scratchers! Congrats Latonya

7/08/2025 09:13 - Duane C.

Congratulations it’s good to see she choose annually Payment she smart for that

7/08/2025 08:55 - Marilyn P.

A great big congratulations ?? ???? for your life changing event. So happy for you.

7/08/2025 08:20 - Duane C.

Congratulations I’m glad she choose her pay out that way

7/08/2025 07:23 - DARRYL T.

God is GREAT!

7/08/2025 05:49 - Natalie R.

Big Congratulations ??

7/08/2025 05:28 - oscar g.

Way to go. I wish it was me.

7/08/2025 04:54 - chris i.

Way to go love!

7/08/2025 04:17 - Test U.

can I ask you a question please?NC Lottery
Of course! We're always happy to answer player questions. Just let us know how we can help. :)

7/08/2025 01:56 - Angela A.

@NCEL say what you want...I am going to Charlotte to buy my next batch of scratch-off tickets... Some how at lot of top prizes end up there!

7/08/2025 01:11 - Michael B.

This win shows everyone that tickets are randomly distributed throughout retailers. NCEL is not placing tickets in certain areas it’s randomly disturbed. This gas station is in a very rough part of town in Charlotte. Nice win !

7/08/2025 12:55 - Cheryl H.

Congratulations ????

7/08/2025 12:41 - Sherry L.

Congratulations!! Totally Awesome!

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