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Compare your loan options in North Carolina

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Our guide will tell you everything you need about payday loans in North Carolina

You may be considering a payday loan if you’re facing a financial emergency, but in North Carolina, you’ll have to find another option. Our guide should help point you in the right direction.

Are payday loans legal in North Carolina?

Payday loans are illegal in the state of North Carolina.

North Carolina General Statutes 53-281 and the North Carolina Consumer Finance Act N.C. Gen. Stat. 53-173 govern check cashing businesses and prohibit payday lending. Payday loans have been illegal in North Carolina since 2001, but more recent amendments make it nearly impossible for payday lenders to squeeze in through loopholes.

All lenders in North Carolina are required to comply with the small loan interest cap of 36% APR.

You may want to consider an installment loan instead

Be sure to check to confirm a lender operates in North Carolina and abides by the 36% APR cap.

Rates last updated June 21st, 2018

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Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
OppLoans Installment Loans
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$4,000
1 business day
Open to residents of AL, AK, AZ, CA, DE, FL, GA, ID, IL, IN, KS, KY, MI, MN, MO, MS, NE, NV, NM, OH, OK, OR, SC, TN, TX, UT, VA, WI and WY. Must have direct deposit and meet minimum income requirements.
Go to site More
CashUSA Installment Loans
CashUSA Installment Loans
$10,000
As early as 1 business day
Monthly income of $1,000+ after taxes and valid checking account.
Go to site More
Slam Dunk Loans
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
$2,500
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
Go to site More
BadCreditLoans.com
BadCreditLoans.com
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
$5,000
Varies
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
Go to site More
CashNetUSA Loan
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Go to site More
Blue Trust Loans Installment Loans
Blue Trust Loans Installment Loans
Get an installment loan from an online tribal lender. Perks for returning borrowers.
$2,000
As soon as next business day
Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.
Go to site More
HonestLoans Installment Loans
HonestLoans Installment Loans
Get a flexible installment loan with fast funding through one easy online application form.
$2,500
As soon as one business day
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Go to site More
MaxLend Installment Loans
MaxLend Installment Loans
Get up to $1,000 as a first-timer, with loans of up to $2,000 and lower APRs for repeat borrowers.
$2,000
As soon as the next business day
Must be at least 18 years old and a US citizen, have a valid bank account and provide a verifiable source of income.
Go to site More

Compare up to 4 providers

Are there other loan options in North Carolina?

When you’re struggling mananging your everyday bills, you might not know where to turn. Fortunately, North Carolina has a number of programs that can help you afford normal costs of living. The Crisis Intervention program, Emergency Assistance program, North Carolina Food and Nutrition Services (FNS) and Low Income Energy Asisstance Porgram (LIEAP) all help people when they need it. Before you take out a loan, you can apply for one of these to see if it will help.

Our page has even more options you can check out

What are the typical costs of a loan in North Carolina?

North Carolina law bans small dollar lenders from offering loans with an APR higher than 36%. However, this doesn’t limit the fees and charges you can be charged, so you’ll need to go over your loan contract carefully before you sign to be sure you can afford the total cost–principal and interest–of your loan.

Have any more questions about North Carolina payday loans?

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2 Responses

  1. Default Gravatar
    TammyJune 21, 2017

    How do I apply for a loan?

    Reply
    • finder Customer Care
      JasonJune 21, 2017Staff

      Hi Tammy,

      Thank you for your enquiry.

      Please compare your loan options above and click the name of your preferred lender to find out the details and the minimum eligibility of the lender. You may then click the green “Go to Site” button of your preferred lender or loan option to submit your loan application online.

      Please ensure that you meet the eligibility criteria and requirements of the loan option or lender and make sure to read the details, as well as the relevant PDS/ T&Cs of the loan option before making a decision and consider whether the product or option is right for you.

      Kind regards,
      Jason

      Reply

US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

More info
LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

More info
Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

More info
OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

More info
Go to site