North Carolina Payday Loans (NC) – Bad Credit Accepted 

If you need a North Carolina payday loan for a short period, you are at the right place. You can request payday cash loans even if you have bad credit.

Welcome to IPASS aiding residents of North Carolina (NC) to find online payday loans 

  • Payday, loans in north Carolina let you receive between $100 and $1000. 
  • Once you’ve completed our secure and easy online application, we’ll connect you to an extensive network of lenders that will accept applications online 
  • In addition, if you’re a person with low credit, scores, you can still take advantage of our services!

Payday Loans with Poor&Bad Credit available in North Carolina

Most lenders offering a cash advance in North Carolina run a credit check, even if the bank doesn’t come from one among the three top bureaus. The Good News? 

Even when your credit score has bad credit, this is not a cause for concern. Your loan application will be accepted!

The lender will look at a range of aspects, including your income and employment status, and will thoroughly examine the application before making the decision. Do not think that this is a lengthy procedure. You’ll be able to determine if you’ve been approved!

How to Apply for a Payday loan?

With an IPASS cash advance, you do not have to stand in line or fill out lengthy forms. The entire process could be completed online using three simple steps:

1.) Request a loan using our request form make sure you select the amount you’d like to borrow and complete the details of your personal info, like the email you use, your income information, and phone number, in addition to other things.

2.) Connect: We’ll send these details to the internet and try to connect you with one of the payday lenders. 

3.) When connected to a North Carolina lender, Ipass go to our website and complete your payday loan application online. 

4.) You can get your money to your Bank Account Normally within 24 Hours, on one 1-business Day

The loan terms like the interest rate and the dates for repayment will be available on your screen. Although it’s not an “instant decision-making,” it is a considerably quicker procedure than visiting the bank or a retail lender.

What exactly is a payday loan?

The payday loan in North Carolina is similar to an advance on your salary. Since the installments don’t exist, you need to pay one cost for financing and this installment.

This is the reason cash, advances are ideal for financial emergencies like unexpected bills or when you’re trying to make smaller purchases up front, but you’ve already used all of your earnings per month.

The information about your bank account (savings or checking account) is important when you submit an application for a cash advance.

Is it legal to get payday loans in North Carolina?

In 2001, North Carolina became the first state to prohibit payday lending. The scenario remained unchanged until internet lenders emerged as a more adaptable and accessible alternative to minor loan advances.

If you apply online, you can be certain of 100% legal payday loans which can be used regardless of credit score and with no restrictions.

Is it Expensive to Get a Payday Loan in North Carolina?

Is it Expensive to Get a Payday Loan in North Carolina? They aren’t, no. They also come with a number of additional benefits.

If you intend to apply for a payday loan within North Carolina, you should be aware that they are prohibited in this state.

Local lenders offer so-called low cash advances as an alternative to traditional short-term loans, which work in the same way as regular payday loans.

Borrowers will benefit most from the lower interest rates. While consumers in other states can borrow up to 301 percent of their income, North Carolinians can only get 36 percent of their money back.

In North Carolina, how many payday loans may you have?

A customer is not allowed to have more than one loan open at the same time. If you still require funds, you may submit an application loan if your previous ones have been paid off.

All you have to do now is wait three business days for the credit bureau’s information to be updated. In some situations, lenders will offer an exception and enable you to apply for multiple loans at the same time, but only if you can demonstrate your ability to pay back the debt on time.

Requirements to apply for a Payday Loan in North Carolina

To be qualified for our loan match program, our only conditions to be eligible are that you:

  • Aged 18 and older.
  • Legally resident, legally resident of North Carolina with a fixed address.
  • In a job or having a steady revenue source.

Did you think there was something more?

Apply for Loans in North Carolina Today!

If you have a poor credit history, banks, and credit unions may not accept your loan. Then Ipass could help you!

Payday loans online are an excellent way to fill up the gaps until you get paid. A short-term cash advance is an excellent way to cover your cash shortage. Apply quick cash Today. 


  • credit check
  • credit cards
  • business days
  • loan request form
  • small loan
  • loan offered
  • short term loans
  • cash advance
  • state laws
  • credit scores
  • loans in North Carolina
  • payday loans in North Carolina

Celine Jesza Afana
Personal Finance Writer at Ipass | Website

Celine Jesza Afana is a Finance writer at Ipass an online leader in a payday loan company, providing fast, easy, and safe payday loans online to its customers. Celine has extensive experience working in the financial industry, with a specialization in lending and administration management. She also is proficient in customer service, customer services, and a variety of payday lending industry functions. She has been working hard in the company's efforts to help those with jobs that aren't so easy and financial issues get money when they require it the most.