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Best Bad-Credit Loan Lenders in North Carolina

MoneyGeek studied North Carolina lenders via credit score needs, APRs, repayment terms and loan amounts. This information is here to help you find the ideal bad-credit loan in North Carolina for your needs.

Upstart is MoneyGeek’s top lender for bad-credit loans in North Carolina, as it accepts credit scores as low as 300. Upgrade emerged as the runner-up.

Best Overall Bad-Credit Loan in North Carolina: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Runner-Up for Best Bad-Credit Loan in North Carolina: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in North Carolina for You

The average amount owed on personal loans in North Carolina is $14,383. Before applying for a bad-credit loan in North Carolina, dig into your needs and loan options.


Ask Yourself the Important Questions

Considering your debt load and resources is critical. Ask yourself these questions to help pick the best bad-credit loan in North Carolina:

  • What's your credit score?
  • How much cash do you need?
  • Are the monthly payments within your means?
  • Do you currently owe money?
  • Do you have other options for paying off your debt?

Do Your Research

Begin researching lenders who offer loans to borrowers with bad credit. Make sure the ones on your list exist in your area, have excellent customer service and meet your needs.

MoneyGeek's resources can be helpful. However, you should still research because you know your unique situation best.


Read the Fine Print

Read the loan agreement and its fine print to understand the lender's fees and other costs you might face.



After finding the right lender, wait a day or two before applying. Dig deeper into the lender to make sure others are happy with them, and you don't have other options.



Your name, financial situation and employment record are subject to an inquiry. Most lenders allow you to apply online, but some still need you to visit them in person.

What to Do if You Can’t Get a Bad-Credit Loan in North Carolina

Sometimes, lenders turn down applicants. If that happens to you, contact the personal loan provider to find out why.

Once you know what happened, you can negotiate with the lender. If there was a paperwork mixup, it could simply be a matter of resubmitting it. If it had to do with income or credit score, they might be willing to agree to a new amount or set of terms.

You must look at other options if the lender doesn't agree to an updated loan. But avoid payday options, as those almost always result in more debt.

Calculate Your Monthly Payment

You usually have to pay off your personal loan in monthly installments. MoneyGeek's personal loan calculator shows what your monthly payments may be. Enter your loan details to receive an estimate of your monthly bill.



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FAQs About Bad-Credit Loans in North Carolina

To find your best bad-credit loan in North Carolina, think about your finances and needs. MoneyGeek answers these questions to help you decide which lender is best for you.


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We took a deep dive to find the best bad-credit loan provider in North Carolina. We looked into more than 30 providers using at least 35 data points in these categories: flexibility, affordability, accessibility, transparency, customer service and consumer friendliness.

In each category, we studied many data points we think are crucial to choosing a personal loan lender. These include APRs, credit scores, loan amounts, income needs, payout times and fees.

MoneyGeek prioritizes the needs of clients like you. So, we also searched every lender's customer support, business rating and features records. Features included pre-approval, mobile apps and autopay options.

MoneyGeek's final picks are the ones that are most appropriate for you. These loan suggestions and expert guidance may help you make informed financial decisions. Our study can help you choose a lender that best suits your financial needs and goals.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.