North Carolina Payday Loans

NorthCarolinaFlagCash advance are prohibited in North Carolina, leaving borrowers looking for others means of quick cash. If you’re an NC resident in search for short-term loans, it’s best to be informed with the possibilities on offer. Our site gives you access to information regarding payday loans in North Carolina and how to obtain one even with the obvious restrictions.

For information of payday loans in other states, feel free to browse the website. We  offer only accurate and updated information about payday loans.

 Payday Loan Process in North Carolina

Not be eligible for an NC payday loan, individuals must first meet the most basic guidelines set by the lender. Borrowers must be 18 years old and above as well as:

  • Have a job which pays the required minimum salary each month
  • Have a savings or checking account

Application is usually done online with all the documents either faxed or emailed. Once the borrower and lender reach an agreement, the latter send over the money agreed upon. This usually takes place in less than one day.

Depending on the lender, NC borrowers may still get a payday loan even if they have a bad credit history. Those on welfare, already retired or part of the military are also accommodated as part of the service for lenders.

North Carolina Payday Loan Laws and Regulations

It’s important to note that there are NO legally practicing payday loan lenders within North Carolina. For this reason, borrowers need to seek lenders licensed by other states which allow payday loans. Many of the rates, fees, and limitations offered by this lender are derived from the law enforced by the licensing state. This is why borrowers must take the time to research the background of their lender and find out if they are being treated fairly according to state laws.

Currently, North Carolina uses a rate cap for small loans set at 36% per year.

North Carolina Consumer Protection

Protecting yourself as a consumer translates to being aware of the different rules governing your payday loan. Be informed of the laws, maximum finance rates, rollovers and repayment policies practiced by your lender before pursuing the loan.

Currently, the regulating body for NC short term loans is the North Carolina Attorney General.

  • Address: NC Attorney General’s Office 9001 Mail Service Center Raleigh NC 27699-9001
  • Phone: (919) 716-6400 
  • Web

Any complaints, questions and problems should be directed through their office or via their official website and email address. Do not be afraid to ask questions or make comparisons before arriving at a choice.

North Carolina Payday Loan Alternatives

The most popular NC payday loan alternative is by borrowing from friends and relatives. It’s quick, easy and doesn’t come with the burden of accumulating interest. If you’re too wary of borrowing however, you can try selling a personal asset or turning it over to a pawnshop. Credit cards are ideal since they’re very easy to use and let you pay off the debt on an installment basis. Lastly, there’s the possibility of bank loans, perfect for larger cash flow problems.

Map of North Carolina


Payday Loans cities in North Carolina:
Aberdeen Albemarle Angier
Apex Arden Asheboro
Asheville Banner Elk Belmont
Boone Brevard Burgaw
Burlington Burnsville Candler
Cary Chapel Hill Charlotte
Cherryville Clinton Concord
Conover Cornelius Dallas
Denver Dunn Durham
Eden Edenton Elizabeth City
Elizabethtown Elkin Emerald Isle
Farmville Fayetteville Forest City
Franklin Garner Gastonia
Goldsboro Graham Greensboro
Greenville Haw River Henderson
Hendersonville Hickory High Point
Hillsborough Holly Ridge Hudson
Huntersville Indian Trail Jacksonville
Jonesville Kannapolis Kernersville
Kinston Kitty Hawk Laurinburg
Leland Lenoir Lexington
Lincolnton Louisburg Lumberton
Madison Marion Matthews
Monroe Mooresville Morehead City
Morganton Mount Airy Mount Olive
Mount Pleasant Murphy New Bern
Newton North Wilkesboro Oxford
Pembroke Pineville Raleigh
Reidsville Roanoke Rapids Rockingham
Rocky Mount Rural Hall Rutherfordton
Salisbury Sanford Shallotte
Shelby Smithfield Snow Hill
Southern Pines Southport Sparta
Spindale Spring Lake Spruce Pine
Statesville Supply Surf City
Swansboro Tarboro Taylorsville
Thomasville Troutman Wake Forest
Wallace Washington Waxhaw
Waynesville West Jefferson Wilkesboro
Williamston Wilmington Wilson
Winston Salem Yadkinville  

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