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North Carolina Payday Loan

Residents of North Carolina have experienced the tug of war over payday lending. In a recent turnaround, the state became an anti-payday loan lending state a few short years after approving legislation that allowed payday loan lending in North Carolina. The state continues to strengthen any weaknesses in their current legislation for payday lenders.

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Payday Loan Lending Laws in North Carolina

North Carolina has had an ongoing battle for and against payday lending since 1997 when legislation was approved and passed for allowing payday lending in the state. After this payday legislation expired in the year 2001, it became illegal to conduct payday lending in North Carolina. As of 2009, by law payday loans remain prohibited in the state of North Carolina. Lenders in this state must possess a license to deposit checks into someone's account and the state sets a minimum fee for cashing a post-dated check.

There are no payday lenders working legally in the state of North Carolina. However, there are plenty of results online. In an internet search early 2017, “payday loans North Carolina” turned up 572,000 hits!

The state motto of North Carolina is: “To be, rather than to seem.”

If you would like to report a complaint about a lender, visit the North Carolina Department of Justice or call toll-free (877) 5-NO-SCAM.

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