Personal Loans in North Carolina
When an unexpected expense comes up or you need extra room in your budget, National Finance Company is here to help. We offer consumer installment loans through 24 local branches across North Carolina, along with a convenient online prequalification process.
Whether you need help covering an auto repair, medical bill, home expense, holiday purchase or another personal need, our local loan specialists are ready to help you understand your options.
Consumer Installment Loans From $1,250 to $5,000
National Finance Company offers consumer installment loans ranging from $1,250 to $5,000, with available repayment terms from 12 to 48 months.
Our loans feature:
- Equal monthly installment payments
- No balloon payments
- No prepayment penalties
- No fee to apply
- Online prequalification
- In-person assistance at 24 North Carolina branches
- Funding by check or available debit-card funding after approval
Loan amounts, terms and funding options are subject to application review, approval and applicable requirements.
Find a Personal Loan for Your Needs
NFC personal loans may help qualified applicants cover a variety of planned and unexpected expenses. Explore our loan options below to learn more.
Start With Online Prequalification
NFC’s online prequalification process allows you to find out whether you may qualify before continuing to the full loan application. Checking your prequalification does not require an initial hard credit inquiry.
Depending on your prequalification result, you may be able to continue to the full application online or may be asked to call or visit a local NFC branch for additional assistance.
Prequalification is not a guarantee of final approval. Final loan approval is subject to application review, verification and applicable eligibility requirements.
How to Apply for a Personal Loan
- Check Your Prequalification
Begin online to find out whether you may qualify and receive instructions about the next step.
- Complete Your Application
If prequalified, continue to the full application and provide the requested information.
- Speak With a Loan Specialist
A local NFC loan specialist will review your information, answer your questions and explain the next steps.
- Provide the Requested Documents
Applicants may be asked to provide:
- A valid driver’s license or government-issued photo ID
- Social Security card
- Proof of income, such as a pay stub, W-2, Social Security statement or disability income statement
Additional information may be requested depending on the application.
- Review Your Loan Information
If approved, an NFC loan specialist will explain the available loan amount, payment schedule and terms before you choose whether to accept the loan.
- Receive Your Funds
Approved customers may receive their loan proceeds by check or through an available debit-card funding option. Processing and funding times vary.
A Local North Carolina Loan Company Since 1963
National Finance Company has served North Carolina customers since 1963. With 24 branches located throughout the state, we combine the convenience of an online process with personal service from local loan specialists.
National Finance Company is licensed and regulated by the North Carolina Office of the Commissioner of Banks. Our consumer installment loans are made in accordance with the North Carolina Consumer Finance Act.
Frequently Asked Questions
National Finance Company offers consumer installment loans that are repaid through scheduled monthly payments over an agreed period.
NFC offers consumer installment loans ranging from $1,250 to $5,000. The amount and terms available depend on the application, eligibility and applicable requirements.
Yes. You can begin with NFC’s online prequalification process before continuing to the full loan application. Checking your prequalification does not require an initial hard credit inquiry.
No. Prequalification is an initial assessment and does not guarantee final approval. Final approval depends on application review, verification and applicable eligibility requirements.
Yes. National Finance Company has 24 branch locations throughout North Carolina where local loan specialists are available to assist customers.
Qualified applicants may use an NFC personal loan for a variety of reasonable personal needs, including auto repairs, medical bills, home expenses, emergency costs, debt consolidation, holidays, travel and other expenses.
Processing and funding times vary. Once an application is approved and all required documents are received, an NFC loan specialist will explain the available funding options.