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Johnston County, North Carolina (NC)

Installment Loans in Smithfield, NC

1 lender in Smithfield, NC · 1 lists hours · 1 verified in the last 30 days · + 2 reported, not yet verified

Looking for an installment loan near you in Smithfield, North Carolina? We list 1 lender location in Smithfield with its address, phone number, opening hours and, where North Carolina publishes it, license status. Last checked October 9, 2026.

Open now or opening soon

Other lenders reported in Smithfield

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 11, 2026). Not yet matched to a state license or the brand's own store list.

Smithfield lenders at a glance

Smithfield, in Johnston County (population 12,806), has 1 lender location in our directory: 1 installment lender, all in ZIP code 27577. The chain with the most stores here is OneMain Financial (1). The only store here that publishes hours is closed on weekends. The nearest other city with lenders is Clayton, about 11 miles away, with 1 location.

Stores by loan type
Installment loans 1
County
Johnston County
ZIP code
27577
Hours (1 store lists 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 Smithfield

Smithfield 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 Smithfield, NC?

We list 1 installment lender in Smithfield, 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 Smithfield?

OneMain Financial (1 store).

Are any lenders in Smithfield open on weekends?

The only store here that publishes hours is closed on weekends. 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) · 1 location 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.