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Up to $5,000 with a simple online form
With payday loans no longer available in North Carolina, installment loans offer a fast, flexible alternative when you need money for an unexpected expense.
At Superb Cash Advance, you can apply online for an installment loan of up to $5,000 with no hard credit check to get started. Approval depends mainly on your income and ability to repay. In many cases, proof of about $800 or more in monthly income is enough to begin the application.
Before you sign, you will receive a free, no-obligation loan estimate showing the APR, fees, total repayment amount, and monthly payment, so you can compare your options and make an informed decision.
You can apply online or visit one of our locations. Applying online is the fastest and most convenient option. If approved, funds may be available as soon as the same business day, depending on the time of approval and your bank.
North Carolina ended payday loans in 2001, when the law that allowed them expired and was not renewed. State leaders were concerned about their high cost.
Small consumer loans are now made under the North Carolina Consumer Finance Act, with the rate and fees set by state law. An installment loan is the legal way to borrow for a short-term need.
North Carolina caps the rate on a licensed installment loan, with lower rates on larger balances. Here is how the tiers work.
| Loan amount | Maximum interest rate |
|---|---|
| Up to $4,000 | 33% a year |
| $4,000 to $8,000 | 24% a year on the part above $4,000 |
| Above $8,000 | 18% a year on the part above $8,000 |
A one-time processing fee of $30 applies to loans of $3,000 or less. For example, a $1,000 loan at 33% over 12 months costs about $180 in interest plus the $30 fee. You always see your exact APR, monthly payment, and total before you sign.
Source: North Carolina ended payday lending in 2001. Consumer installment loans are made under the North Carolina Consumer Finance Act (N.C.G.S. 53-176) and licensed by the North Carolina Office of the Commissioner of Banks. Wage garnishment for most consumer debts is not allowed (N.C.G.S. 1-362). Last reviewed July 2026.
Superb Cash Advance offers a licensed installment loan of up to $5,000 in North Carolina, repaid in fixed monthly payments. The amount, rate, and term follow North Carolina law.
The fastest way to apply is online with your ID, proof of income, and bank details ready. See how it works on our installment loan page, or start your application now.
Are payday loans legal in North Carolina?
No. North Carolina ended payday loans in 2001. Loans are now made as licensed installment loans under the state's Consumer Finance Act.
Can my wages be garnished in North Carolina?
No. North Carolina does not allow wage garnishment for most consumer debts, so your paycheck cannot be garnished over an unpaid consumer loan.
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2212 S Victory St #300, Houston, TX 77088 | (832) 345-9761
All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
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* Funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET. Applications approved later in the day are generally funded on the next business day.
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