North Carolina (NC) Payday loans Online, Cash Advances, Installment Loans, and Personal Finance Solutions

Online lending now available for residents of the Tar Heel State. North Carolina payday loans and cash advances and alternatives are now available with lightning fast direct deposit  into your personal checking or savings account. Personal loans and Installment fixed payments are also available. Fast, efficient, and secure, our 100+ nationwide partner lenders lend money now. Processing and approving applications daily, our robust partner network ensures data privacy remains safe and loans are made in an efficient and timely manner. No more hassles with applying and waiting for traditional banks and credit unions to approve or deny, our network lends today. Using state-of-the-art https:// SSL security means your sensitive personal data is transmitted through our form to lenders with 128-bit data encryption. With the peace of mind of a secure site, taking 5 minutes to fill out our secure form, you could have your money as soon as the next business day.

The state borders South Carolina and Georgia to the south, Tennessee to the west, Virginia to the north, and the Atlantic Ocean to the east. North Carolina has a very diverse economy because of its great availability of hydroelectric power, its pleasant climate, and its wide variety of soils. North Carolina is the leading U.S. state in production of flue-cured tobacco and sweet potatoes, and comes second in the farming of pigs and hogs, trout, and turkeys. Reference Wikipedia

• Pepsi was invented and first served in New Bern in 1898.
• North Carolina is the largest producer of sweet potatoes in the nation harvesting over 4 billion pounds
• Krispy Kreme Doughnut was founded in Winston-Salem.
• North Carolina leads the nation in furniture, tobacco, brick, and textile production. It is also known for its production of strawberries and blueberries.

The state of North Carolina features a robust and diversified economy. The main areas of economic output include agriculture, mining, fishing and financial services. The state’s agricultural businesses are near-evenly split between crop and livestock production. The state’s top-five agricultural products include hogs, chickens, greenhouse, nursery products, tobacco, and turkeys. Tobacco is the state’s top field crop followed by cotton.

The tobacco industry is huge in North Carolina and also plays a major role in the state’s manufacturing industry. Top manufactured products include cigarettes, pipes, and chewing tobacco. The state is also involved in chemical production for pharmaceutical, cleaning, and synthetic fiber products.

North Carolina Payday Loans and Cash Advances

North Carolina payday loans and North Carolina cash advances have fallen under tight scrutiny in the state since 2001. State statutes 53-281 and the North Carolina Consumer Finance Act govern check-cashing businesses and may prohibit North Carolina cash advances. Borrowers looking for loans without a credit check or who have bad credit will need to look for alternative forms of financing. Our lending platform also offers longer term products with fixed payments and set end dates. If your looking for a North Carolina payday loan, read the next paragraph for alternative options.

North Carolina Installment Loans and Personal Loans

North Carolina installment loans and North Carolina personal loans are not only available and legal, they typically have better interest rate options than their short term counterparts. A North Carolina personal loan may be obtained online or from a bricks-and-mortar lender. These types of loans are available from various types of lenders and can usually be completed and funded in a very short period of time. North Carolina personal loans by law, carry a maximum interest rate of 36% annualized. The state does not specify a maximum loan amount, although many loans are made from $1,000 to $5,000 with some lenders going as high as $25,000. These types of loans are available to all kinds of borrowers. These loans suit borrowers of all credit backgrounds. Poor credit, fair credit, and good credit situations are all welcome. Rates will adjust accordingly depending on your profile.

Lenders in the state of North Carolina must be licensed if making loans $15,000 or less and contract for charges greater than permitted by the state’s general usury law. Loans must be repaid in equal monthly installments for a period of at least 12 months, but not exceeding 96 months. The state allows borrowers to prepay all or any part of the loan without penalty. This is good news. If you happen to come up with a lump sum or tax refund and want to pay the loan off early and settle the balance in full, it saves you a ton of money in interest. Lenders are prohibited from making more than one loan to a borrower at a time whether it be for the same office or a different office if it is the same or a related entity.

References:

“Installment Loans” National Consumer Law Center 2015,
https://www.nclc.org/images/pdf/pr-reports/InstallmentLoans-AppendixC.pdf. Accessed 9 January 2019

“Payday Loans” North Carolina Department of Justice,
https://www.ncdoj.gov/Consumer/Credit-and-Debt/Payday-Loans.aspx. Accessed 9 January 2019

“Compare your loan options in North Carolina” Finder.com, 19 October 2018,
https://www.finder.com/payday-loans/north-carolina. Accessed 9 January 2019

“Payday Lenders Eye Comeback In North Carolina” TheCharlottePost,
http://www.thecharlottepost.com/news/2016/08/07/local-state/banned-payday-lenders-eye-a-comeback-in-north-carolina/. Accessed 9 January 2019

Real Per Capita Income in North Carolina

Statute for North Carolina payday loans and cash advances. Personal loans and installment options qualify for larger amounts through our secure form. State laws and statutes can change at anytime and the information above or below may become slightly out-of-date as we update frequently.

(Source: U.S. Census Bureau, Census 2010 Population)

Cities we serve:    Request your loan Today