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Gaston County, North Carolina (NC)

Installment Loans in Gastonia, NC

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

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

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Gastonia lenders at a glance

Gastonia, in Gaston County (population 85,535), has 3 lender locations in our directory: 3 installment lenders, all in ZIP code 28056. The chains with the most stores here are OneMain Financial (2) and Republic Finance (1). Of the 3 stores that publish hours, 0 open on Saturday and 0 on Sunday. The nearest other city with lenders is Lincolnton, about 16 miles away, with 1 location.

Stores by loan type
Installment loans 3
County
Gaston County
ZIP code
28056
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 Gastonia

Gastonia 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 Gastonia, NC?

We list 3 installment lenders in Gastonia, 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 Gastonia?

OneMain Financial (2 stores) and Republic Finance (1 store).

Are any lenders in Gastonia 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) · 2 locations Last verified Oct 11, 2026
  2. Republic Finance locations (NC) · 1 location Last verified Oct 11, 2026
  3. N.C. Gen. Stat. § 24-1.1(a)(1), (c) · General rules Last verified Oct 9, 2026 · medium confidence
  4. N.C. Gen. Stat. § 53-283(2) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  5. N.C. Gen. Stat. § 53-280(b) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  6. 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
  7. 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.