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North Carolina Payday Loans and Lenders

No state knows the payday lending battle better than North Carolina. The state has made a recent and fairly quick transition from a legalized payday lending state, to a state that does not permit payday lending. Now, North Carolina is trying to sew up all the loopholes that are left gaping in their payday lending laws. If you want a payday loan, but live in North Carolina, keep reading to find out some of the alternative plans we offer here at Payday Today.

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Alternatives for North Carolina Payday Lending

Since payday lending is not legal in the state of North Carolina, we encourage you to consider some of the other loan programs we offer at Payday Today. Our personal loan, debt consolidation, “Bad Credit” credit card, and credit counseling are good options.

North Carolina Payday Lending Laws

In 1997, legislation was passed that allowed payday lending in the state of North Carolina, but the state government let the legislation expire in 2001. Even though payday lending was declared illegal in 2001, the state has still been fighting to enforce the law. In 2005, many out of state payday lenders were offering North Carolina residents payday loans. In 2005, they made a major step when Commissioner Joseph A. Smith Jr. ordered the company Advance America to immediately cease all lending practices in the state of North Carolina. Although this ruling only applied to the one bank, people with an anti-payday lending stance consider it an accomplishment.

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Number of Payday Lenders in North Carolina

There are no payday lenders working legally in the state of North Carolina.

North Carolina Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate in North Carolina in January 2006 was 4.8, which means that 206,446 people were unemployed at that time. In January 2005, the unemployment rate was 5.7. Over the past ten years, the unemployment rate has not risen above 7.5, or fallen below 2.9.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.


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