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Best Loans in North Carolina, Payday, Auto Title Laws of January 2025

Elite Personal Finance
Last Update: December 1, 2024 • Loans By State •
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Article 15 of North Carolina’s Consumer Finance Act requires licensed lenders to cap installment loans at $15,000. The minimum loan term is 12 months, while the maximum loan term is 96 months. Licensed lenders can levy a non-sufficient funds fee (NSF) of $25 for loans of $2,500 or less or charge a fee of 1% of the amount financed for loans greater than $2,500 – up to a maximum of $40.

Allowable finance charges for loans of $10,000 or less are:

  • 30% per year on the first $4,000
  • 24% per year on amounts > 4,000 but ≤ 8,000
  • 18% per year on amounts > 8,000 but ≤ 10,000

For loans over $10,000, the maximum APR is 18% per year.

Licensed lenders can also levy a delinquency charge – after the loan is at least 10 days past due – $15. If borrowers return the loan proceeds in full within three business days, they will not incur any finance charges.

Best Bad Credit Loans in North Carolina of January 2025

Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 72 Months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $50,000
Min. Credit Score:

300
APR:

5.6% - 35.99%
Approval:

5 Minutes
Terms:

3 - 5 Years
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$200 - $5,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

12 - 120 Months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

580
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

90 Days - 72 Months
Licensed in North Carolina:

Yes
Get started

See our comprehensive guide for an in-depth breakdown of everything you need to know about bad credit loans.

Best Personal Loans for Good Credit in North Carolina of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$2,000 - $40,000
Min. Credit Score:

640
APR:

7.95% - 35.99%
Approval:

1 - 3 Days
Terms:

36 - 60 months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 – $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 – $35,000
Min. Credit Score:

580
APR:

5.99% – 35.99%
Approval:

< 1 Day
Terms:

90 Days – 72 Months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000
Min. Credit Score:

500
APR:

3.99% – 35.99%
Approval:

< 1 Day
Terms:

1 – 5 Years
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000

Min. Credit Score:

600
APR:

7.99% - 35.97%
Approval:

< 1 Day
Terms:

3 - 5 Years
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$5,000 – $35,000
Min. Credit Score:

640
APR:

5.99% – 24.99%
Approval:

1 – 7 Days
Terms:

2 - 5 Years
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$2,500-$35,000
Min. Credit Score:

660
APR:

6.99-24.99%
Approval:

1 Day
Terms:

24 - 84 Months
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$7,500 - $40,000
Min. Credit Score:

680
APR:

6 - 15%
Approval:

1 - 7 Days
Terms:

36 - 84 months
Licensed in North Carolina:

Yes
Get started

Payday Loan Laws in North Carolina of January 2025

Traditional payday loans are illegal in North Carolina. All lenders are required to follow the installment loan regulations listed above – which means loans must have a minimum term of at least 12 months, and APRs cannot exceed 30% for loans of $4,000 or less.

Payday Loan Laws in North Carolina by Country of January 2025

ElitePersonalFinance analysis of payday loan laws by countries in the State of North Carolina.

City: Amount Allowed: APR Allowed: Status:
Charlotte N/A 36% Prohibited
Raleigh N/A 36% Prohibited
Greensboro N/A 36% Prohibited
Durham N/A 36% Prohibited
Winston-Salem N/A 36% Prohibited
Fayetteville N/A 36% Prohibited
Cary N/A 36% Prohibited
Wilmington N/A 36% Prohibited
High Point N/A 36% Prohibited
Greenville N/A 36% Prohibited
Asheville N/A 36% Prohibited
Concord N/A 36% Prohibited
Gastonia N/A 36% Prohibited
Jacksonville N/A 36% Prohibited
Chapel Hill N/A 36% Prohibited
Rocky Mount N/A 36% Prohibited
Huntersville N/A 36% Prohibited
Burlington N/A 36% Prohibited
Wilson N/A 36% Prohibited
Apex N/A 36% Prohibited
Kannapolis N/A 36% Prohibited
Hickory N/A 36% Prohibited
Wake Forest N/A 36% Prohibited
Indian Trail N/A 36% Prohibited
Mooresville N/A 36% Prohibited
Goldsboro N/A 36% Prohibited
Monroe N/A 36% Prohibited
Salisbury N/A 36% Prohibited
Holly Springs N/A 36% Prohibited
Matthews N/A 36% Prohibited
New Bern N/A 36% Prohibited
Sanford N/A 36% Prohibited
Garner N/A 36% Prohibited
Cornelius N/A 36% Prohibited
Thomasville N/A 36% Prohibited
Statesville N/A 36% Prohibited
Mint Hill N/A 36% Prohibited
Fuquay-Varina N/A 36% Prohibited
Asheboro N/A 36% Prohibited
Morrisville N/A 36% Prohibited
Kernersville N/A 36% Prohibited
Carrboro N/A 36% Prohibited
Lumberton N/A 36% Prohibited
Kinston N/A 36% Prohibited
Havelock N/A 36% Prohibited
Clayton N/A 36% Prohibited
Shelby N/A 36% Prohibited
Clemmons N/A 36% Prohibited
Leland N/A 36% Prohibited
Lexington N/A 36% Prohibited
Boone N/A 36% Prohibited
Lenoir N/A 36% Prohibited
Elizabeth City N/A 36% Prohibited
Morganton N/A 36% Prohibited
Albemarle N/A 36% Prohibited
Murraysville N/A 36% Prohibited
Pinehurst N/A 36% Prohibited
Hope Mills N/A 36% Prohibited
Mount Holly N/A 36% Prohibited
Harrisburg N/A 36% Prohibited
Laurinburg N/A 36% Prohibited
Stallings N/A 36% Prohibited
Mebane and Knightdale N/A 36% Prohibited
Eden N/A 36% Prohibited
Henderson N/A 36% Prohibited
Roanoke Rapids N/A 36% Prohibited
Graham N/A 36% Prohibited
Waxhaw N/A 36% Prohibited
Piney Green N/A 36% Prohibited
Reidsville N/A 36% Prohibited
Hendersonville N/A 36% Prohibited
Southern Pines N/A 36% Prohibited
Lewisville N/A 36% Prohibited
Newton N/A 36% Prohibited
Davidson N/A 36% Prohibited
Spring Lake N/A 36% Prohibited
Smithfield N/A 36% Prohibited
Belmont N/A 36% Prohibited
Archdale N/A 36% Prohibited
Tarboro N/A 36% Prohibited
Summerfield N/A 36% Prohibited
Elon N/A 36% Prohibited
Kings Mountain N/A 36% Prohibited
Lincolnton N/A 36% Prohibited
Weddington N/A 36% Prohibited
Myrtle Grove N/A 36% Prohibited
Mount Airy N/A 36% Prohibited
Waynesville N/A 36% Prohibited
Washington N/A 36% Prohibited
Dunn N/A 36% Prohibited
Winterville N/A 36% Prohibited
Morehead City N/A 36% Prohibited
St. Stephens N/A 36% Prohibited
Kings Grant N/A 36% Prohibited
Rockingham N/A 36% Prohibited
Oxford N/A 36% Prohibited
Wesley Chapel N/A 36% Prohibited
Pineville N/A 36% Prohibited
Clinton N/A 36% Prohibited
Conover N/A 36% Prohibited
Roxboro N/A 36% Prohibited
Lake Norman of Catawba N/A 36% Prohibited
Black Mountain N/A 36% Prohibited
Siler City N/A 36% Prohibited
Fletcher N/A 36% Prohibited
Marion N/A 36% Prohibited
Porters Neck N/A 36% Prohibited
Brevard N/A 36% Prohibited
Butner N/A 36% Prohibited
Ogden N/A 36% Prohibited
Half Moon N/A 36% Prohibited
Oak Island N/A 36% Prohibited
Etowah N/A 36% Prohibited
Aberdeen N/A 36% Prohibited
Mills River N/A 36% Prohibited
Forest City N/A 36% Prohibited
Hillsborough N/A 36% Prohibited
Kill Devil Hills N/A 36% Prohibited
Gibsonville N/A 36% Prohibited
Rolesville N/A 36% Prohibited
King N/A 36% Prohibited
Oak Ridge N/A 36% Prohibited
Wendell N/A 36% Prohibited
Unionville N/A 36% Prohibited
Trinity N/A 36% Prohibited
Selma N/A 36% Prohibited
Woodfin N/A 36% Prohibited
Hamlet N/A 36% Prohibited
Silver Lake N/A 36% Prohibited
Marvin N/A 36% Prohibited
Carolina Beach N/A 36% Prohibited
Cullowhee N/A 36% Prohibited
Cherryville N/A 36% Prohibited
Boiling Spring Lakes N/A 36% Prohibited
Hampstead N/A 36% Prohibited
James City N/A 36% Prohibited
Nashville N/A 36% Prohibited
Whiteville N/A 36% Prohibited
Bessemer City N/A 36% Prohibited
Angier N/A 36% Prohibited
Williamston N/A 36% Prohibited
Stokesdale N/A 36% Prohibited
Wadesboro N/A 36% Prohibited
Wrightsboro N/A 36% Prohibited
Mocksville N/A 36% Prohibited
Zebulon N/A 36% Prohibited
Sawmills N/A 36% Prohibited
St. James N/A 36% Prohibited
Ayden N/A 36% Prohibited
Walkertown N/A 36% Prohibited
East Flat Rock N/A 36% Prohibited
Erwin N/A 36% Prohibited
Long View N/A 36% Prohibited
Royal Pines N/A 36% Prohibited
Raeford and Ahoskie N/A 36% Prohibited
Midway N/A 36% Prohibited
Pleasant Garden N/A 36% Prohibited
Archer Lodge N/A 36% Prohibited
Edenton N/A 36% Prohibited
Mount Olive N/A 36% Prohibited
Farmville N/A 36% Prohibited
Bayshore N/A 36% Prohibited
Dallas N/A 36% Prohibited
Granite Falls N/A 36% Prohibited
Newport N/A 36% Prohibited
Boiling Springs N/A 36% Prohibited
Creedmoor N/A 36% Prohibited
Valdese N/A 36% Prohibited
Seven Lakes N/A 36% Prohibited
Beaufort N/A 36% Prohibited
Cramerton N/A 36% Prohibited
Swannanoa N/A 36% Prohibited
Welcome N/A 36% Prohibited
Canton N/A 36% Prohibited
Spindale N/A 36% Prohibited
North Wilkesboro N/A 36% Prohibited
Elkin N/A 36% Prohibited
China Grove N/A 36% Prohibited
Westport N/A 36% Prohibited
Randleman N/A 36% Prohibited
Pittsboro N/A 36% Prohibited
Trent Woods N/A 36% Prohibited
Wingate and Brices Creek N/A 36% Prohibited
Burgaw N/A 36% Prohibited
Bethlehem N/A 36% Prohibited
Rutherfordton N/A 36% Prohibited
Jamestown N/A 36% Prohibited
Tabor City N/A 36% Prohibited
Shallotte N/A 36% Prohibited
Gamewell N/A 36% Prohibited
Carolina Shores N/A 36% Prohibited
Franklin N/A 36% Prohibited
Wallace N/A 36% Prohibited
Tyro N/A 36% Prohibited
Weaverville N/A 36% Prohibited
Mountain Home N/A 36% Prohibited
Sunset Beach N/A 36% Prohibited
Lake Park N/A 36% Prohibited
Elroy N/A 36% Prohibited
Moyock N/A 36% Prohibited
Mountain View N/A 36% Prohibited
Hudson N/A 36% Prohibited
Fairview town N/A 36% Prohibited
Emerald Isle N/A 36% Prohibited
Eastover N/A 36% Prohibited
Forest Oaks N/A 36% Prohibited
Northchase N/A 36% Prohibited
Benson N/A 36% Prohibited
Stanley N/A 36% Prohibited
Rockfish N/A 36% Prohibited
Lowell N/A 36% Prohibited
Dana and Southport N/A 36% Prohibited
Ranlo N/A 36% Prohibited
Plymouth N/A 36% Prohibited
Elizabethtown N/A 36% Prohibited
Windsor N/A 36% Prohibited
Lillington N/A 36% Prohibited
Wilkesboro N/A 36% Prohibited
Midland N/A 36% Prohibited
Louisburg N/A 36% Prohibited
Kitty Hawk N/A 36% Prohibited
Red Springs N/A 36% Prohibited
Red Oak N/A 36% Prohibited
Maiden N/A 36% Prohibited
River Road N/A 36% Prohibited
Locust N/A 36% Prohibited
Troy N/A 36% Prohibited
Flat Rock village N/A 36% Prohibited
Mar-Mac N/A 36% Prohibited
East Rockingham N/A 36% Prohibited
Surf City N/A 36% Prohibited
Spencer N/A 36% Prohibited
Whispering Pines N/A 36% Prohibited
Polkton N/A 36% Prohibited
Denver N/A 36% Prohibited
Swansboro N/A 36% Prohibited
Rural Hall N/A 36% Prohibited
Warsaw N/A 36% Prohibited
Landis N/A 36% Prohibited
Murfreesboro N/A 36% Prohibited
River Bend N/A 36% Prohibited
Lake Junaluska N/A 36% Prohibited
Pembroke N/A 36% Prohibited
Lowesville N/A 36% Prohibited
Wallburg N/A 36% Prohibited
Glen Raven N/A 36% Prohibited

Best Auto Loans for Bad Credit in North Carolina of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $45,000
Min. Credit Score:

0
APR:

From 0.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

0
APR:

From 1.99%

Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in North Carolina:

Yes
Get started

Best Auto Loans for Good Credit in North Carolina of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$5,000-$100,000
Min. Credit Score:

660
APR:

4.99% to 9.19%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$3,000 - $100,000
Min. Credit Score:

650
APR:

From 3.12%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

640
APR:

From 3.54%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

600
APR:

3.54% - 10.24%
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in North Carolina:

Yes
Get started

FHA Loans in North Carolina of January 2025

North Carolina has 100 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Alamance County to a high of $1,472,550 for a 4-bedroom unit in Pasquotank County.

County: Single Unit Limit (lowest): Four-Plex Limit (highest):
Alamance County $331,760 $638,100
Alexander County $331,760 $638,100
Alleghany County $331,760 $638,100
Anson County $331,760 $638,100
Ashe County $331,760 $638,100
Avery County $331,760 $638,100
Beaufort County $331,760 $638,100
Bertie County $331,760 $638,100
Bladen County $331,760 $638,100
Brunswick County $331,760 $638,100
Buncombe County $331,760 $638,100
Burke County $331,760 $638,100
Cabarrus County $331,760 $638,100
Caldwell County $331,760 $638,100
Camden County $458,850 $882,400
Carteret County $331,760 $638,100
Caswell County $331,760 $638,100
Catawba County $331,760 $638,100
Chatham County $414,000 $796,150
Cherokee County $331,760 $638,100
Chowan County $331,760 $638,100
Clay County $331,760 $638,100
Cleveland County $331,760 $638,100
Columbus County $331,760 $638,100
Craven County $331,760 $638,100
Cumberland County $331,760 $638,100
Currituck County $458,850 $882,400
Dare County $391,000 $751,900
Davidson County $331,760 $638,100
Davie County $331,760 $638,100
Duplin County $331,760 $638,100
Durham County $414,000 $796,150
Edgecombe County $331,760 $638,100
Forsyth County $331,760 $638,100
Franklin County $353,050 $678,950
Gaston County $331,760 $638,100
Gates County $458,850 $882,400
Graham County $331,760 $638,100
Granville County $414,000 $796,150
Greene County $331,760 $638,100
Guilford County $331,760 $638,100
Halifax County $331,760 $638,100
Harnett County $331,760 $638,100
Haywood County $331,760 $638,100
Henderson County $331,760 $638,100
Hertford County $331,760 $638,100
Hoke County $331,760 $638,100
Hyde County $483,000 $928,850
Iredell County $331,760 $638,100
Jackson County $331,760 $638,100
Johnston County $353,050 $678,950
Jones County $331,760 $638,100
Lee County $331,760 $638,100
Lenoir County $331,760 $638,100
Lincoln County $331,760 $638,100
Macon County $331,760 $638,100
Madison County $331,760 $638,100
Martin County $331,760 $638,100
Mcdowell County $331,760 $638,100
Mecklenburg County $331,760 $638,100
Mitchell County $331,760 $638,100
Montgomery County $331,760 $638,100
Moore County $331,760 $638,100
Nash County $331,760 $638,100
New Hanover County $331,760 $638,100
Northampton County $331,760 $638,100
Onslow County $331,760 $638,100
Orange County $414,000 $796,150
Pamlico County $331,760 $638,100
Pasquotank County $765,600 $1,472,550
Pender County $331,760 $638,100
Perquimans County $765,600 $1,472,550
Person County $414,000 $796,150
Pitt County $331,760 $638,100
Polk County $331,760 $638,100
Randolph County $331,760 $638,100
Richmond County $331,760 $638,100
Robeson County $331,760 $638,100
Rockingham County $331,760 $638,100
Rowan County $331,760 $638,100
Rutherford County $331,760 $638,100
Sampson County $331,760 $638,100
Scotland County $331,760 $638,100
Stanly County $331,760 $638,100
Stokes County $331,760 $638,100
Surry County $331,760 $638,100
Swain County $331,760 $638,100
Transylvania County $331,760 $638,100
Tyrrell County $331,760 $638,100
Union County $331,760 $638,100
Vance County $331,760 $638,100
Wake County $353,050 $678,950
Warren County $331,760 $638,100
Washington County $331,760 $638,100
Watauga County $331,760 $638,100
Wayne County $331,760 $638,100
Wilkes County $331,760 $638,100
Wilson County $331,760 $638,100
Yadkin County $331,760 $638,100
Yancey County $331,760 $638,100

Business Loans in North Carolina of January 2025

Apply Now
Amount:

Up to $10,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

9.77% - 35.98%
Min. Credit Score:

600
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

5.99% – 35.99%
Min. Credit Score:

500
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $250,000
APR:

24% – 99%
Min. Credit Score:

560
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

9.28 - 10.52%
Min. Credit Score:

650
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

10.00 - 25.00%
Min. Credit Score:

680
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$75,000 - $5,000,000
APR:

5.50 - 8.25%
Min. Credit Score:

650
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

12.18 - 36.00%
Min. Credit Score:

660
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

9.00 - 99.00%
Min. Credit Score:

600
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $5,000,000
APR:

15.00 - 78.00%
Min. Credit Score:

600
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

Up to $1,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in North Carolina:

Yes
Get started
Apply Now
Amount:

$6,000 to $250,000
APR:

Vary
Min. Credit Score:

0
Licensed in North Carolina:

Yes
Get started

All Licensed Credit Unions in North Carolina of January 2025

Name: City: Size (Millions): Members:
STATE EMPLOYEES’ CREDIT UNION Raleigh $23,695.26 1723570
LOCAL GOVERNMENT FEDERAL CREDIT UNION Raleigh $1,151.34 206196
COASTAL FEDERAL CREDIT UNION Raleigh $2,014.04 191988
TRULIANT FEDERAL CREDIT UNION Winston-Salem $1,494.54 184921
MARINE FEDERAL CREDIT UNION Jacksonville $689.38 107262
ALLEGACY FEDERAL CREDIT UNION Winston-Salem $908.10 105201
LATINO COMMUNITY CREDIT UNION Durham $106.12 53223
FORT BRAGG FEDERAL CREDIT UNION Fayetteville $386.68 50447
MEMBERS CREDIT UNION Winston-Salem $228.88 49869
SELF-HELP FEDERAL CREDIT UNION Durham $399.40 49858
PIEDMONT ADVANTAGE CREDIT UNION Winston-Salem $214.39 42421
SELF-HELP CREDIT UNION Durham $564.96 38578
FIRST FLIGHT FEDERAL CREDIT UNION Cary $148.09 36345
CHARLOTTE METRO FEDERAL CREDIT UNION Charlotte $267.36 34224
CAROLINAS TELCO FEDERAL CREDIT UNION Charlotte $354.28 34050
SUMMIT CREDIT UNION Greensboro $134.41 23362
PREMIER FEDERAL CREDIT UNION Greensboro $128.23 23142
CHAMPION CREDIT UNION Canton $156.70 21111
MOUNTAIN CREDIT UNION Waynesville $129.45 18645
DUKE UNIVERSITY FEDERAL CREDIT UNION Durham $97.68 16408
TELCO COMMUNITY CREDIT UNION Asheville $84.86 16337
R T P FEDERAL CREDIT UNION Raleigh $103.82 12665
FREEDOM FEDERAL CREDIT UNION Rocky Mt $50.91 12516
BRAGG MUTUAL FEDERAL CREDIT UNION Fayetteville $48.05 11495
UNITED SERVICES CREDIT UNION Asheville $56.16 11019
FIRST LEGACY COMMUNITY CREDIT UNION Charlotte $49.22 10681
LION’S SHARE FEDERAL CREDIT UNION Salisbury $30.45 10256
WINSTON SALEM CITY EMP FEDERAL CREDIT UNION Winston-Salem $63.01 9712
RIEGELWOOD FEDERAL CREDIT UNION Riegelwood $94.29 9599
WELCOME FEDERAL CREDIT UNION Morrisville $86.56 9361
TELCO CREDIT UNION Tarboro $56.21 9219
GENERATIONS COMMUNITY CREDIT UNION Durham $23.21 9000
CAROLINA POSTAL CREDIT UNION Charlotte $78.06 8942
CAROLINA COOPERATIVE FEDERAL CREDIT UNION Charlotte $41.54 8637
AMERICAN PARTNERS FEDERAL CREDIT UNION Reidsville $46.35 8093
VISION FINANCIAL FEDERAL CREDIT UNION Durham $38.88 8042
HANESBRANDS CREDIT UNION Winston-Salem $53.85 7905
NORTH CAROLINA COMMUNITY FEDERAL CREDIT UNION Goldsboro $54.51 7713
GREATER PIEDMONT CREDIT UNION Durham $14.79 7304
ECUSTA CREDIT UNION Pisgah Forest $48.94 7243
ELECTEL COOPERATIVE FEDERAL CREDIT UNION Raleigh $38.27 7228
WEYCO COMMUNITY CREDIT UNION Plymouth $77.85 7064
ACCLAIM FEDERAL CREDIT UNION Greensboro $29.29 6503
GREATER KINSTON CREDIT UNION Kinston $16.83 6062
GREENSBORO MUNICIPAL FEDERAL CREDIT UNION Greensboro $42.00 5867
SOUTHERN SELECT COMMUNITY CREDIT UNION Kannapolis $34.33 5842
GREENSBORO HEALTH CARE CREDIT UNION Greensboro $28.20 5009
LORILLARD FEDERAL CREDIT UNION Greensboro $32.94 4849
WNC COMMUNITY CU CREDIT UNION Waynesville $67.54 4595
SHUFORD FEDERAL CREDIT UNION Hickory $23.91 4345
BLUE FLAME CREDIT UNION Charlotte $37.64 3880
CAROLINA FEDERAL CREDIT UNION Cherryville $31.74 3815
CORNING CABLE SYSTEMS CREDIT UNION Hickory $32.46 3678
CHARLOTTE FIRE DEPARTMENT CREDIT UNION Charlotte $50.05 3391
MCDOWELL CORNERSTONE CREDIT UNION Marion $23.30 3196
COMM-SCOPE CREDIT UNION Catawba $25.23 3191
CITY OF RALEIGH EMPLOYEES CREDIT UNION Raleigh $25.18 3062
OTEEN V. A. FEDERAL CREDIT UNION Asheville $24.90 3044
HAMLET FEDERAL CREDIT UNION Hamlet $15.19 2983
BCBSNC CREDIT UNION Durham $12.96 2884
GREENSBORO POSTAL CREDIT UNION Greensboro $24.63 2852
TEAM AND WHEEL FEDERAL CREDIT UNION Winston-Salem $11.32 2706
OXFORD CREDIT UNION Oxford $17.45 2621
EAST COAST CREDIT UNION Wilmington $8.75 2445
I-R EMPLOYEES FEDERAL CREDIT UNION Mocksville $10.61 2372
EMERGENCY RESPONDERS CREDIT UNION Winston-Salem $15.73 2145
GUCO CREDIT UNION Greenville $12.62 1917
HANOVER FEDERAL CREDIT UNION Wilmington $6.90 1881
HICKORY SPRINGS FEDERAL CREDIT UNION Hickory $4.12 1803
FIRST CAROLINA PEOPLE’S CREDIT UNION Goldsboro $19.93 1733
FAYETTEVILLE POSTAL CREDIT UNION Fayetteville $6.65 1606
B I P FEDERAL CREDIT UNION Lenoir $5.39 1408
CENTURY EMPLOYEES’ SAVINGS FUND CREDIT UNION Hickory $8.49 1397
PIEDMONT CREDIT UNION Statesville $4.30 1377
NORTH CAROLINA PRESS ASSOCIATION FEDERAL CREDIT UNION Raleigh $5.15 1375
INTERNAL REVENUE EMPLOYEES FEDERAL CREDIT UNION Greensboro $26.04 1346
ARCADE CREDIT UNION Asheville $7.04 1343
ALLVAC SAVINGS AND CREDIT UNION Monroe $6.50 1336
TCP CREDIT UNION Rural Hall $14.00 1320
SHEPHERD’S FEDERAL CREDIT UNION Charlotte $0.63 1317
PUROLATOR EMPLOYEES FEDERAL CREDIT UNION Fayetteville $3.26 1207
LINCOLN NATIONAL FEDERAL CREDIT UNION Greensboro $19.69 1153
V.A.M.C. FAYETTEVILLE FEDERAL CREDIT UNION Fayetteville $1.96 965
LITHIUM FEDERAL CREDIT UNION Bessemer City $6.07 942
BAPTIST EMPLOYEES CREDIT UNION Cary $4.01 901
ASHEVILLE POSTAL CREDIT UNION Asheville $4.29 746
CONBRACO CREDIT UNION Matthews $3.70 721
ELIZABETH CITY COAST GUARD EMPLOYEE CREDIT UNION Elizabeth City $3.23 698
TEXAS GULF CAROLINA EMP CREDIT UNION Aurora $2.95 680
YALE SECURITY INC. FEDERAL CREDIT UNION Monroe $1.86 652
CABISCO FEDERAL CREDIT UNION Elon $2.25 642
UNITED CHEMI-CON MANUFACTURING EMP. CREDIT UNION Lansing $5.96 628
DILL FEDERAL CREDIT UNION Roxboro $1.21 377
MOUNT VERNON BAPTIST CHURCH CREDIT UNION Durham $0.22 295
SHAW UNIVERSITY FEDERAL CREDIT UNION Raleigh $0.78 140
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