North Carolina payday loans online
North Carolina payday loans online

Online Payday Loans in North Carolina

  • Trustworthy direct lenders
  • No demanding credit checks
  • Allow various credit scores
  • Flexible agreement terms
  • Reasonable interest rates
  • Payday Loans Near Me

Get a Loan Fast!

Get Started!

Payday Cash Advances for North Carolina Residents

North Carolina borrowers can apply for payday loans online today. If you are from NC, don’t hesitate to take the best online payday loans in North Carolina with a guaranteed approval decision. Your bad credit score is not a problem to get the financial aid you need today!

North Carolina Payday Loans - Stats about Rates & Fees

Small payday loans are allowed in North Carolina, but they have some restrictions stated by the consumer finance act N.C. Gen. Stat. 53-173, as mentioned above. However you have other options such as getting $1,000 – $5,000 installment and $5,000 – $35,000 personal loans. The APR for the short-term cash advance is 36% per year. You may pay them up to 36 months and 60 months.

Simple Examples for APRs & Other Rates

A 20 day Payday Loan of $400.00 has an APR of 36% and a finance charge of $7. See the table below with representative examples. It is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.

Amount Borrowed Fees APR Amount Due
$100 $1 36% $101
$200 $3 36% $203
$500 $9 36% $509
$1,000 $19 36% $1,019

Other Options for Fast Payday Loans in North Carolina

Most of our loan partners provide more choices for borrowers. When you need more cash to cover unplanned expenses, consider NC installment loans. The minimum amount of installment loans is US$1,000, but the maximum amount is US$5,000. The lender can set up monthly payments in 3 months and 36 months. The minimum APR is 6.63%, but the maximum is not regulated by North Carolina law. You can use these cash advances together with monthly payments to cover larger expenses, such as house renovations, medical expenses, etc.

Qualifying for a Quick Payday Loan in NC

Before applying for a North Carolina payday loan, you should meet several eligibility criteria set by the lender. Because they are so simple, almost all consumers are eligible to receive a cash advance till payday. Therefore, if you need additional cash and live in North Carolina, please review the following requirements:

  • Be 18 years old or more.
  • Be a US citizen or a legal resident.
  • Present the ID card or a Social Security Number if needed.
  • Have a steady income.
  • Have an active bank account.
  • Have an active Email address and phone number.

The Applying Steps for Online Payday Loans in NC

NC residents find the application process simple via the 1F Cash Advance website:

Apply. Submitting a loan application is easy. You must fill in each blank with your basic details, then submit it. No fax. You can send scanned documents created with a smartphone. We ensure a secure connection and do not share your information with unaffiliated third parties. You will not receive unsolicited phone calls or marketing emails.

Get approval. On a typical business day, getting approval takes at most minutes or an hour. If you qualify, the lender will instantly email you with their offer. We strongly recommend that you read it and clarify any ambiguity before signing it. Your contract will specify the terms and fees, interest rate and APR.

Access your funds. If the process goes smoothly, the lender will immediately deposit the money into your bank account. Statistics show an average of one business day to complete a transaction. It may take more or less time. Every case is different and every app has its own rhythm.

Bad Credit Payday Loans Online

Consumers with a bad credit history should apply for short-term North Carolina loans online. Their bad credit is not a reason to give up when looking for emergency funds. Our credit providers ignore borrowers’ low FICO scores. They look at general information about your current financial situation.

Just prove your regular income (even if it’s unofficial), and that’s it! You are free to receive money even with a bad credit history. Make sure you increase your chances of getting a loan approved by verifying your valid information.

NC Loans Till Payday with No Credit Check

Most North Carolina lenders don’t run hard inquiries on borrowers’ credit history through those three main credit bureaus. These checks are called “soft credit checks” because of their simplicity. Direct lending companies just assess the repayment risk by performing a light review on credit reports. So, don’t worry if your credit history is less-than-perfect. As there is a high approval rate, you’ll get an instant approval decision within minutes for your payday loans with no credit checks performed. The high approval rate is also occurring for residents who need payday loans in New Jersey. Feel free to discover this opportunity too, if you live in NJ.

Cash Loans from Direct Lenders in North Carolina

We know how important it is to have some extra cash at the right time. That is why 1F Cash Advance makes an effort to connect you with North Carolina cash loans for bad credit scores. Don’t feel upset because now you have a suitable solution for your problems with money. So, apply today for cash loans in North Carolina and forget about unexpected expenses.

Factors to Choose 1F Cash Advance for your Payday Loan in NC

As a connecting service, we aim to provide you with the most pleasant borrowing experience for our customers. Here is the list of your benefits if you apply now:

Straightforward application. The form is simple and available 24 hours and seven days a week. Just fill in with the valid information and submit it with no faxing.

Bad credit is not a problem. Direct lenders don’t pay much attention to your credit history. They usually perform a credit check using alternative means. This means that your request will not affect your creditworthiness. Many lenders advertise that they do not offer credit checking loans.

Quick direct deposit. Direct lenders in our network aim to transfer money to the customer’s bank account immediately after signing the loan agreement. On average, the transfer takes about one business day. Depending on the application process, same day deposits or hourly money transfers are also common.

Transparent borrowing process. There is no third party between you and the lender. The way to a loan through us is easy and 100% safe.

One request form – hundreds of lenders. A single application form is enough for you to connect with our loan partners. You’ll have the possibility to compare many loan offers and choose the suitable one.

Reasonable APRs. Through the list of many financial offers, you’ll undoubtedly find the one that best fits your needs.

Safe borrowing process. There are no third parties between you and your lender. The process of getting a payday loan is straightforward and 100% secure with us.

No hidden fees. We don’t charge any extra fees for our services during the borrowing process. Be sure that your loan won’t cost you extra dollars while you benefit from our financial services.

Payday Loans Near Me in NC

Are you looking for “payday loans near me”? Consider 1F Cash Advance as your ally in getting the best loan deal from North Carolina direct lenders. We will help you establish contact with reliable credit companies and professional financiers. All you need to do is complete the application form and obtain the appropriate loan in your neighbor states, including Wisconsin payday loans. If you have any questions, please write to us and we will discuss the necessary details.

Apply Now and Get Cash Loans in NC

Stop waiting for miracles and solve your financial problems today. Fill in the application form with your contact details and submit it. We’ll do the rest! Get ready to spend your payday pay any way you want on the next business day. Before taking out a North Carolina loan, please contact us for more information in this state. Our customer service agent can help you get all the information you need about North Carolina cash loans.

Looking for payday loans in other cities of North Carolina?

We want to help people all around the NC state to discover the best financial solutions to cover their emergencies. That is why we provide online payday loans in the following cities: Charlotte, Raleigh, Greensboro, Durham, Winston-Salem, Fayetteville, Cary, Wilmington, High Point, Concord.

North Carolina Lender Near Me

Our convenient locations throughout the United States are open to anyone experiencing financial difficulties. Not in North Carolina? No problem. Try our stores in Hawaii, California, Illinois, Iowa, Missouri, New Jersey, Ohio, Rhode Island, Tennessee, Texas, Wisconsin, Michigan, Vermont and Wyoming. We are here to help you with all your loan formalities and give you the best borrowing experience possible. Contact us for more information on payday loans in North Carolina.

1F Cash Advance Payday Loans Store Location in Greensboro, North Carolina

Branch name: 1F Cash Advance North Carolina

Address: 1115 Wendover Ave E, Greensboro, NC 27405

Phone: (984) 205-5285

Email: [email protected]

Branch Manager: Hailey Walker

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

Get Started

Frequently Asked Questions

Are your lending partners licensed?

We work only with a network of trustful and licensed direct lenders that operate according to the lending laws of North Carolina. Feel free to ask for all the needed information about our lending partners.

Is your institution licensed by NC Lending Bureau Authorities?

1F Cash Advance LLC is a licensed connecting company that works under federal laws set by the US government. We are licensed by the Department of Financial Protection and Innovation. Borrowers can request licensing information anytime.

Is my approval guaranteed by your lenders?

In North Carolina, you may get a guaranteed approval decision on your cash advance. No direct lender can guarantee you approval, but you can increase your chances by meeting all the needed requirements set by lending companies.

How is it possible to get 1-hour payday loans in North Carolina?

If you apply for a payday cash advance online, you will receive a response within 1 hour, but it depends on your lender. It may take less time before you make a credit decision. However, you can use your funds even earlier the next time you start a business. Due to the deadline, you may receive a payday loan for the day. If you apply before noon, the lender will transfer the money on the same day. However, if you complete the application form in the afternoon, please be prepared not to withdraw your loan before the next working day.

Can borrowers apply online for payday loans in other NC cities?

All the cities of North Carolina are available for consumers to borrow the payday loans they need. But the most popular towns are Robenson, Duplin, Edgecombe, Vance, Hoke, Richmond, Bladen, Columbus, McDowell. If you’re a resident of one of these cities, feel free to apply for online payday cash loans.

Payday loan on the same day deposit - How can I get this product?

Yes, but it depends on the time you apply. If you apply before noon, the lender will transfer the money at the end of the same day to your bank account. But if you submitted the loan request in the afternoon, the loan provider will deposit it on the next business day. Also, be sure that you’ll receive the loan approval decision on the same day.

What are the other states in which you provide online payday loans?

We provide online loans in the following states: Alaska, Alabama, Florida, South Carolina, Tennessee, Louisiana, Mississippi, Idaho, North Dakota, South Dakota, Wisconsin, Pennsylvania.

How to find payday loan stores near me in NC?

Don’t search for in-stores and make it happen online. It is safe and accessible for all borrowers. You won’t have to stay in line to apply with a folder full of needless documents. Don’t search for payday loan stores open now. Apply online on our platform and access your funds as soon as possible.