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SUBPRIME Loans North Carolina

Home / North Carolina

Updated October, 2022

Get a Subprime Loan in North Carolina

If you live in North Carolina and keep getting turned down for a loan because of your credit rating, you’ve come to the right place. Our team of experts excels when it comes to getting subprime borrowers approved.

If you have some kind of steady monthly income, you can still get approved for a loan even with a poor credit score. You can apply for your subprime loan from this North Carolina State page, or from any of our North Carolina City and County pages.

At LSP we use SwiftWire™ – a state of art loan processing technology that’s dramatically changed the ratio of subprime approvals in the industry.

Cost Estimate

$500 $250000
1 years30 years
Interest Rate
2%15%
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Subprime Loans by North Carolina City

North Carolina City List for October 05, 2022


Charlotte

 


Raleigh

 


Durham

 


Winston-Salem

 


Greensboro

 


Fayetteville

 


Asheville

 


Concord

 


Wilmington

 


Hickory

 


Gastonia

 


High Point

 


Cary

 


Burlington

 


Greenville

 


Jacksonville

 


Chapel Hill

 


Rocky Mount

 


Apex

 


Huntersville

 


Goldsboro

 


New Bern

 


Kannapolis

 


Morehead City

 


Wilson

 


Pinehurst

 


Wake Forest

 


Indian Trail

 


Asheboro

 


Mooresville

 


Holly Springs

 


Monroe

 


Sanford

 


Salisbury

 


Matthews

 


Smithfield

 


Garner

 


Fuquay-Varina

 


Cornelius

 


Morrisville

 


Lumberton

 


Mint Hill

 


Statesville

 


Shelby

 


Kinston

 


Thomasville

 


Boone

 


Forest City

 


Clayton

 


Kernersville

 


Lincolnton

 


Leland

 


Rockingham

 


Elizabeth City

 


Roanoke Rapids

 


Carrboro

 


Kill Devil Hills

 


Clemmons

 


Havelock

 


Swansboro

 


Henderson

 


Laurinburg

 


Wendell

 


Mount Airy

 


Lexington

 


North Wilkesboro

 


Lenoir

 


Knightdale

 


Butner

 


Albemarle

 


Waxhaw

 


Morganton

 


Harrisburg

 


Murraysville

 


Eden

 


Mebane

 


Mount Holly

 


Stallings

 


Washington

 


Archer Lodge

 


Hope Mills

 


Graham

 


Dunn

 


Southern Pines

 


Lewisville

 


Hendersonville

 


Reidsville

 


Oak Island

 


Piney Green

 


Brevard

 


Marion

 


Newton

 


Davidson

 


Tarboro

 


Belmont

 


Elon

 


Spring Lake

 


Archdale

 


Summerfield

 


Weddington

 


Kings Mountain

 


Myrtle Grove

 


Waynesville

 


Winterville

 


Oxford

 


Roxboro

 


Siler City

 


St Stephens

 


Clinton

 


Wesley Chapel

 


Pineville

 


Kings Grant

 


Conover

 


Rolesville

 


Ogden

 


Fletcher

 


Half Moon

 


Lake Norman of Catawba

 


Black Mountain

 


Aberdeen

 


Etowah

 


Porters Neck

 


Mills River

 


Pembroke

 


Gibsonville

 


Whiteville

 


Franklin

 


Unionville

 


Hillsborough

 


Selma

 


Oak Ridge

 


King

 


Marvin

 


Woodfin

 


Cherryville

 


Trinity

 


Elkin

 


Silver Lake

 


Carolina Beach

 


Cullowhee

 


Tabor City

 


Hamlet

 


Boiling Spring Lakes

 


St James

 


Zebulon

 


Hampstead

 


East Flat Rock

 


Bessemer City

 


Nashville

 


Taylorsville

 


Stokesdale

 


Manteo

 


Angier

 


Mocksville

 


James City

 


Wadesboro

 


Walkertown

 


Williamston

 


Sawmills

 

Truth in Lending

Estimate & Apply

1.

Estimate APR

your apr estimator tool

2.

Estimate Payments

estimate payments schedule

3.

Apply Online

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North Carolina Usury Law

Summary brief of North Carolina Usury Law § affecting subprime borrowers / Legal: 8% Contract: 16% $25,000 or less; any rate over $25,000 / Judgment: 8% / Corporate: Any rate agreed upon by parties bound by contract

Source: North Carolina Government banking and financial division protecting North Carolina residents.

Service Highlights

Responsive Team

Our customer service team is highly dedicated – timely response times.

Transparency

Transparency in regard to fees, interest, and true APR. No surprises.

SwiftWire™

SwiftWire™ loan processing technology for security and speed.

Reasonable Rates

No high interest loans that leave you worse off than before your loan.

Testimonials

Jennifer L / Dallas TX

I had really bad credit and I couldn’t get approved by anyone. Not my bank or our local credit unions, or even my family! I filled out countless application forms online and never even got a reply back. My credit score at the time was low at 505 and I didn’t think there was any hope left. But LSP came through for me!! Highly recommended.

Michael M / LA CA

I had really bad credit and I couldn’t get approved by anyone. Not my bank or our local credit unions, or even my family! I filled out countless application forms online and never even got a reply back. My credit score at the time was low at 505 and I didn’t think there was any hope left. But LSP came through for me!! Highly recommended.

Mark E / Phoenix AZ

I want to recommend the team at Local Subprime for their help getting us approved for a bad credit loan. My score was only 564 when I got approved with their process which took 2 days to get funded. Recommend their services to anyone with a bad credit rating.

Janis K / Orlando FL

A special thank you to Arnold at LSP for his patience efforts in getting me approved for a loan. My credit was quite low and I wasn’t getting approved anywhere.

About subprime loans in North Carolina

Our primary goal at Local Subprime is to get you approved for a subprime loan, but we want to do more than that for North Carolina residents – we want to you help you consider some financial planning as well, so you won’t find yourself in this financial situation later in life.

Help for North Carolina residents with bad credit

Your loan approval is not the end of your financial journey (of course), so it’s critical that you move on from your loan towards a new day, a better credit score, a smarter budget, and a new lease on life. To that end, we have provided more than just a loan application for North Carolina borrowers. We have a page specifically for subprime borrowers in your local area of North Carolina that includes subprime lenders, credit counselors, financial planners, local assistance, even stress management professionals (after all, dealing with a poor credit rating can be extremely taxing).

What will my monthly payments be?

Here at Local Subprime we have unique process for subprime borrowers who are rightfully concerned about their interest rate will be. Even more importantly, you need to know exactly what your true APR is on a subprime loan. Follow the quick and easy steps below to closely estimate your monthly payments, true APR, total payments per year, final payment date (better known as a payment schedule).

STEP 1 – Get your APR estimate

Using our APR estimator tool here, enter your zip code and credit score. This will give you an APR estimate based on what other subprime borrowers in your area of North Carolina reported. The information used is provided by fellow North Carolina applicants who had a low credit score very close to yours at the time of their loan request.

STEP 2 – Get your payment schedule estimate

After getting your APR estimate, find out what your estimated payment schedule is here. Fill in your loan amount, loan term (length in years), interest rate (your estimated APR), and the day you want to make your first payment.

STEP 3 – Apply for your loan if feasible

If you’ve completed the first two steps above, you should know what your APR is likely to be, and what your payment schedule is likely to be. If at that time you believe you have enough income to afford your new loan, and all other expenses, you can go forward with your loan application.

After your subprime loan

Once you’re approved for your subprime loan, we hope you take advantage of the other local resources in your area of North Carolina. Consider checking out the local provider links and the maps we have gathered on the local service page for your area/county/city/town of North Carolina. You can search your city or town in our directory to learn more.

Coming in 2022

MT Office

3745 Harrison Avenue
Butte, Montana
USA - 59701
P: (406) 952 9129
a@localsubprime.com

CA Office

35400 Bob Hope Dr.
Rancho Mirage, CA
USA - 92270
P: (406) 952 9129
a@localsubprime.com

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