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North Carolina Payday Loans

North Carolina Payday Loans


Get online Payday Loans in NC even with bad credit or no credit. Check the rates to apply for the best deal.

Find out all you need to know about getting a Payday loan in North Carolina. A payday cash advance is unsecured and available even for bad credit with no credit check. Apply for the necessary amount online to get the money the next day or receive the cash advance the same day in a loan-shop. 

No matter what your credit score is, you can qualify for Online Payday Advance from a direct lender. Compare the offers, check your rates, and complete a simple application form online in a few minutes to get the necessary financing.


Why Choose Compacom for Payday Loans in North carolina

If you've come across urgent financial needs and the next pay day is far away, Compacom will help you get instant cash today with fast and easy Online Payday Loans from the best North carolina direct lender. More than 608 808 trust us and they have clear-cut reasons.
Quick and Easy
Apply for a fast payday loan online right now and pay the money back with your next paycheck.
No Hard Credit Check
Get guaranteed instant approval decision without hard inquiry no matter what your credit is.
Safe and Reliable
Get connected with the best legit direct lenders. OLA certified. Trusted by thousands of US borrowers.

How North carolina Payday Loans Online Work - 3 Easy Steps to Instant Cash

Complete a simple application form online in minutes at the best North carolina lender's website.
If you qualify, you'll be approved fast same day. Check your rates and sign a loan agreement.
Get your Payday Loans fast with a direct deposit to your bank account.
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Are Payday Loans Legal in North Carolina?

Loan Rates and Fees, Laws and Regulations in North Carolina.

Online Payday Loans are available but restricted in North Carolina by the consumer finance act (N.C. Gen. Stat. 53-173). The APR for short term cash advance is capped to 36% per year.

Law statusavailable
MIN Loan Amount$100
MAX Loan Amount$1,000
MIN. Loan Term14 days
MAX. Loan Term31 days
Additional feesNot limited
NSF feeNone
Collateral or guarantorNone, unsecured
Number of simultaneous loansNone
Cooling off periodNone
Extension, repayment planNone
Default penaltiesNone
Credit score requirementsAvailable for Bad Credit
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We are soon expanding to the following cities of North carolina. For instant cash advance at these locations you can use our online application form

What are NC Payday Loans for Bad Credit or No Credit?

According to the US Census Bureau, the median household income in North Carolina is $57,341. The poverty rate equals to 12.1%, which is slightly higher than the national average.

The debt-to-income ratio in North Carolina is 1.36 on average, meaning that residents have more debt than income on average.

As of 2021, there were approximately 1,000 payday lending storefronts in North Carolina. The number of borrowers is not publicly available, but according to the Pew Charitable Trusts, about 12 million Americans use payday loans each year.

The average payday loan amount in North Carolina is $300, with an average annual percentage rate (APR) of 391%. Many borrowers in North Carolina take out payday loans to cover unexpected expenses, such as medical bills or car repairs, or to pay for basic living expenses when they are struggling to make ends meet.

How do Payday Loans Work in North Carolina comparing to Installment Loans and Personal Loans?

Payday loans in North Carolina are small dollar ($100 - $1,000) short term (14-30 days, in some cases up to 3 months) cash advance which is characterized by its easiness, speed, availability, even for those with bad credit, or without a credit history.

Payday lending is strongly regulated. Some states restrict or prohibit short-term loans for high costs.

The process of getting a Payday Loan in North Carolina is quick and easy both online and in-store:

  1. Fill out a simple application form stating the amount you need, your name, and e-mail address;
  2. Get instant decision and approval from one of the best direct lenders;
  3. Read the agreement and if you are satisfied with its terms and conditions sign it;
  4. Get the necessary funds in your account within 1-2 days if you apply online or the same day if you go to a store.

How to Avoid a Payday Loan in North Carolina

  • Try not to be late on paying your bills. Discuss any problems with your creditor.
  • If you've already got into debt try a debt management service (“DMS”) at first.
  • Apply at a nonprofit credit counseling agency.
  • Take part in some assistance programs available to help families make ends meet in a crisis.

Fast and easy online payday loans are available even to borrowers with no active banking account. You can get instant cash of $400 - $600 directly to your savings account. It’s also possible to get instant cash to debit card. Anyway, you are sure to receive the money you need today with minimum requirements and efforts.

Protecting Consumers at North Carolina Department of Justice

Debt Collectors

If you’ve ever had trouble paying your bills and had your accounts turned over to a debt collector or a debt buyer, you’re not alone. And if you get a call about a debt that isn’t really yours, you could be a victim of identity theft.


Congress has ordered the Internal Revenue Service to begin using debt collectors to try to collect unpaid taxes. These debt collectors may contact taxpayers by telephone, but only after the IRS and the debt collection company have attempted to contact the taxpayer by mail. Legitimate debt collectors working on behalf of the IRS will instruct taxpayers to pay their overdue taxes online at or by sending a check, made out to “U.S. Treasury,” directly to the IRS.There are rules that collection agencies must follow when trying to collect on a debt you owe.

Debt collectors may not:

  • Use profanity or threaten you with violence.
  • Tell you that you will be arrested if you don’t pay.
  • Pretend to be attorneys or government representatives.
  • Tell your employer or others about your debts.
  • Pretend that they are contacting you for other reasons.
  • Contact you before 8 a.m. or after 9 p.m. unless you agree.
  • Garnish your wages.

Debt collectors are allowed to contact you:

  • In person, by mail, by telephone and by fax about the bills you owe.
  • At home, between the hours of 8 a.m. and 9 p.m.
  • At work. It is legal for debt collectors to contact you on the job unless they have a telephone number to reach you during non-working hours. Debt collectors must stop calling you at work if they know that your employer disapproves of their calls.
  • Through people who know you. If they can’t find you, debt collectors may attempt to contact other people who know you, such as neighbors, relatives, friends and employers. When a collection agency contacts people you know, they are not allowed to say why they are trying to contact you or how much you owe.

To stop a debt collector from calling you at home or work:

  • Put your request in writing. Send a letter by certified mail telling the debt collector to stop calling your home and your place of work. Keep a copy of the letter for your records.
  • Once the debt collector gets your letter, they may not contact you again except to tell you that a creditor intends to take action on your account.
  • Remember that sending a letter won’t erase your debts. Creditors can still take legal action to collect money that you owe them.

For help getting out of debt:

  • Contact your creditors to work out a payment plan.
  • Meet with an attorney to discuss legal options.
  • Find a non-profit credit counselor. To find an accredited counselor near you, contact the National Foundation for Credit Counseling at 1-800-388-2227.


Cash Advance and other Money Offers in North carolina

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In the Payday Loans Hub, we've collected all the useful guides and resources on Payday Loans. Our experts conducted thorough research to give you the answer to any possible question on the topic.

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