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Mecklenburg County, North Carolina (NC)

Installment Loans in Charlotte, NC

3 lenders in Charlotte, NC · 3 list hours · 3 verified in the last 30 days

Looking for an installment loan near you in Charlotte, North Carolina? We list 3 installment lenders in Charlotte with addresses, phone numbers, opening hours and, where North Carolina publishes it, license status. Last checked October 9, 2026.

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Charlotte lenders at a glance

Charlotte, in Mecklenburg County (population 943,476), has 3 lender locations in our directory: 3 installment lenders, across 3 ZIP codes. The chain with the most stores here is OneMain Financial (3). Of the 3 stores that publish hours, 0 open on Saturday and 0 on Sunday. The nearest other city with lenders is Matthews, about 9 miles away, with 1 location.

Stores by loan type
Installment loans 3
County
Mecklenburg County
ZIP codes with stores
28216, 28226, 28262
Hours (3 stores list them)
Closed on weekends

Typical cost in North Carolina

  • A Consumer Finance Act licensee making an installment loan of $12,000 or less (up to $25,000 total, 12 to 96 months) may charge up to 33 percent a year on the first $4,000 of unpaid balance, 24 percent on the next $4,000 and 18 percent on the rest. Source: N.C. Gen. Stat. § 53-176(a)(1) · medium confidence
  • On a Consumer Finance Act installment loan above $12,000, the cap is 18 percent a year on the outstanding principal balance. Source: N.C. Gen. Stat. § 53-176(a)(2) · medium confidence

Rules for lenders in Charlotte

Charlotte has no local payday or title loan ordinance in our records, so North Carolina state law applies.

  • A licensed check casher may not engage in the business of making loans or extensions of credit, or accepting deposits or bailments of money or items, except as G.S. 53-281 expressly provides. Source: N.C. Gen. Stat. § 53-283(2) · verified Oct 9, 2026 · medium confidence
  • A licensed check casher that cashes a check for a fee must deposit it within three business days of cashing it, so it cannot hold the check for later deposit. Source: N.C. Gen. Stat. § 53-280(b) · verified Oct 9, 2026 · medium confidence

All rules: North Carolina lending rules.

Questions people ask

How many installment lenders are in Charlotte, NC?

We list 3 installment lenders in Charlotte, checked against their sources as of October 9, 2026.

Are payday loans legal in North Carolina?

We list no payday loan stores in North Carolina. A Consumer Finance Act licensee making an installment loan of $12,000 or less (up to $25,000 total, 12 to 96 months) may charge up to 33 percent a year on the first $4,000 of unpaid balance, 24 percent on the next $4,000 and 18 percent on the rest (N.C. Gen. Stat. § 53-176(a)(1)).

Which lenders have the most stores in Charlotte?

OneMain Financial (3 stores).

Are any lenders in Charlotte open on weekends?

Of the 3 stores that publish hours, 0 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. OneMain Financial branches (NC) · 3 locations Last verified Oct 11, 2026
  2. N.C. Gen. Stat. § 24-1.1(a)(1), (c) · General rules Last verified Oct 9, 2026 · medium confidence
  3. N.C. Gen. Stat. § 53-283(2) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  4. N.C. Gen. Stat. § 53-280(b) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  5. N.C. Gen. Stat. § 53-166(a), N.C. Gen. Stat. § 53-166(b), N.C. Gen. Stat. § 53-166(c) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence
  6. N.C. Gen. Stat. § 53-176(a)(1), N.C. Gen. Stat. § 53-176(a)(2) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.