North Carolina (NC) lender directory
Installment Loans in North Carolina
Looking for an installment loan near you in North Carolina? Pick your city below. We list 85 stores in 68 North Carolina cities, built from lenders' own store pages. Data last checked October 9, 2026.
Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer
Payday loans in North Carolina: rates capped at 33% →
Title loans in North Carolina: rates capped at 33% →
Installment loans by city
Top cities
- Installment loans in Greensboro 4
- Installment loans in Charlotte 3
- Installment loans in Durham 3
- Installment loans in Gastonia 3
- Installment loans in Winston-Salem 3
- Installment loans in Fayetteville 2
- Installment loans in Greenville 2
- Installment loans in Lumberton 2
- Installment loans in Raleigh 2
- Installment loans in Statesville 2
- Installment loans in Wilmington 2
- Installment loans in Ahoskie 1
All 68 cities A–Z
A
B
C
D
- Durham 3
F
G
- Garner 1
- Gastonia 3
- Goldsboro 1
- Greensboro 4
- Greenville 2
H
- Henderson 1
- Hendersonville 1
- Hickory 1
- High Point 1
- Hope Mills 1
J
K
- Kernersville 1
- Kinston 1
- Knightdale 1
L
- Laurinburg 1
- Leland 1
- Lenoir 1
- Lexington 1
- Lincolnton 1
- Lumberton 2
M
- Matthews 1
- Mebane 1
- Monroe 1
- Mooresville 1
- Morehead City 1
- Morganton 1
- Mount Airy 1
N
- New Bern 1
R
- Raleigh 2
- Reidsville 1
- Roanoke Rapids 1
- Rockingham 1
- Rocky Mount 1
- Roxboro 1
S
- Salisbury 1
- Sanford 1
- Shallotte 1
- Shelby 1
- Smithfield 1
- Spring Lake 1
- Spruce Pine 1
- Statesville 2
T
- Tarboro 1
W
- Wake Forest 1
- Wallace 1
- Waynesville 1
- Whiteville 1
- Wilkesboro 1
- Williamston 1
- Wilmington 2
- Wilson 1
- Winston-Salem 3
Y
Installment loans in North Carolina: the rules
Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.
- No one may lend or service a loan of $25,000 or less and charge more than Chapter 24 allows without a license from the Commissioner of Banks, except as the Consumer Finance Act authorizes. Source: N.C. Gen. Stat. § 53-166(a) · verified Oct 9, 2026 · medium confidence
- The license rule applies to any device or pretense, including a transaction where a cash rebate or advance of funds is made with the sale of an item or service and must be repaid later. Source: N.C. Gen. Stat. § 53-166(b) · verified Oct 9, 2026 · medium confidence
- A person who is not exempt and violates the Consumer Finance Act commits a Class 1 misdemeanor, and each violation is a separate offense. Source: N.C. Gen. Stat. § 53-166(c) · verified Oct 9, 2026 · medium confidence
- 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) · verified Oct 9, 2026 · 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) · verified Oct 9, 2026 · medium confidence
Lenders in North Carolina are licensed by the North Carolina Office of the Commissioner of Banks (NCCOB). You can look up any license in its license search. See also online lenders and apps in North Carolina.
Questions people ask
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)).
How many installment lenders are in North Carolina?
We list 85 installment lenders in North Carolina, in 68 cities.
Which North Carolina cities have the most installment lenders?
Greensboro (4), Charlotte (3), Durham (3), Gastonia (3) and Winston-Salem (3).
How much can lenders charge 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)). More limits are listed under the state rules on this page.
How do I check a lender's license in North Carolina?
Lenders in North Carolina are licensed by the North Carolina Office of the Commissioner of Banks (NCCOB). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.
Answers are generated from the listings and verified rules on this page; see Sources below.
Sources
Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.
- OneMain Financial branches (NC) · 74 locations Last verified Oct 11, 2026
- Republic Finance locations (NC) · 11 locations Last verified Oct 11, 2026
- N.C. Gen. Stat. § 24-1.1(a)(1), (c) · General rules Last verified Oct 9, 2026 · medium confidence
- N.C. Gen. Stat. § 53-283(2) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
- N.C. Gen. Stat. § 53-280(b) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
- 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
- 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.