Bad Credit, Personal Loans in NC, Top Online Lenders for 2022

Online personal loans from $1,000 to $40,000 or more. Review signature loans and unsecured loans from local and national lenders, including options for borrowers with less than perfect credit scores. Our unique platform helps borrowers find the right loan for their personal goals, ranging from home improvement financing, debt consolidation, vacations and more. Innovative Finance the top choice for lending in North Carolina, for borrowers in Charlotte, Durham, Raleigh and throughout the state.


personal loans online

Finding the best personal loan options for all borrowers is what separates us from many lending platforms. We work hard to find real loan options for all borrowers, regardless of their credit profile. Finding a personal loan that meets your personal goals, is manageable with repayment terms and offers you the money you need for your situation is all possible. Whether your personal loan is for only a few months or up to five years, you will find the right financing offer to meet your needs.

Personal Loans and Debt Consolidation Loans From Top Lenders

Can you use a personal loan to plan your dream vacation to North Carolina?

North Carolina has great destinations to visit for people who live in the state and those who are planning to visit the area. If you’re visiting Sea Ranch Resort, Blockade Runner Beach Resort or The Winds Resort Beach Club as a part of your vacation, we can help connect you with a lender to obtain a quick loan in a matter of minutes.

Innovative Finance is a great platform for students who need money for school expenses

Our loan platform is easy to use for students to research and compare personal loans online. Whether your a student at Elizabeth City State University, University of Mount Olive or Alamance Community College you can research and compare loan options for free using our loan platform. We strongly encourage students to establish a budget and take caution as to not borrow more money than you can afford to pay back.

Bad Credit Personal Loans in Charlotte & Raleigh NC

Whether you need to borrow money for an unexpected auto repair, medical expense, family emergency or traveling, our lenders work with millions of customers like you every day who are in need of additional cash and finances and are trying to get a quick loan.

  • Find Personal Loan Lenders and Learn how Peer to Peer loans work
  • Installment Loan Lenders up to $40,000
  • Unsecured and Non Collateral Loans For Borrowers
  • Unsecured or Signature Based Loans From Lenders In North Carolina

bad credit loans lenders

What Banks and Credit Unions offer Short Term Loans in North Carolina

Bank of America Financial Center
210 E Trade St Ste B126
Charlotte, NC 28202
(704) 979-0257

First Citizens Bank
128 S Tryon St
Charlotte, NC 28202
(704) 338-4000

Federal Reserve Bank
530 E Trade St
Charlotte, NC 28202
(704) 358-2100

First National Bank
870 Spring Ln
Sanford, NC 27330
(919) 708-7055

Woodforest National Bank
3310 Nc 87 S
Sanford, NC 27332
(919) 708-7078

For consumers and borrowers who have less than ideal credit, then going to a traditional lender may not help them get the cash they need for their finance emergencies. When an unexpected medical emergency arises, your car breaks down, or your furnace stops working, you may need an online short-term loan to get the quick cash to cover these expenses. If you are unable to use a credit card or borrow money from another source, then sometimes an online short-term loan is the only option. Whether the loan you need is a quick cash advance, payday loan, installment loan, or personal loan, including peer-to-peer offers then we have the right options for your finance needs. Our nationwide network of top lenders helps consumers who need to borrow between $500 and $40,000 online.

NC unsecured loans for customers with Excellent, Good, Poor and Bad Credit Histories

Whatever your needs for finance are, count on the team of editors from the North Carolina InnovativeFinance team are committed to helping to bring you the latest offers and options, from short term loan lenders, installment loans and social lending, we will be covering a variety of short term lending topics and sometimes will even try to discover credit card and other relevant finance topics of interest for your benefit. Finding the right loan can mean the difference in making your life less stress-free. Borrowers who have time and great credit are encouraged to work with banks or credit unions when possible, for the lowest rates and fees. Borrowers with average and below credit, who have limited options should take advantage of credit counseling, financial advisors and other resources to help make sure they are making the best financial decisions for their personal situation and getting the right loan for their specific borrowing needs.

Local NC direct lenders working in these communities for unsecured financing options


Albemarle, Apex, Asheboro, Asheville, Beaufort, Burlington, Carrboro, Cary, Chapel Hill, Charlotte, Clayton, Clemmons, Concord, Cornelius, Durham, Eden, Elizabeth City, Fayetteville, Fuquay-Varina, Garner, Gastonia, Goldsboro, Greensboro, Greenville, Hamstead, Havelock, Henderson, Hickory, High Point, Holly Springs, Hope Mills, Huntersville, Indian Trail, Jacksonville, Kannapolis, Kernersville, Kinston, Lenoir, Lexington, Lumberton, Matthews, Mint Hill, Monroe, Mooresville, Morrisville, Murraysville, Myrtle Grove, New Bern, Ogden, Raleigh, Roanoke Rapids, Rocky Mount, Salisbury, Sanford, Shelby, Statesville, Thomasville, Wake Forest, Wilmington, Wilson, Winston-Salem

If you are searching for a loan over $1000, then you may consider visiting Prosper or Lending Club, two of the more recognized peer to peer social lending platforms that help customers with good credit get loans, sometimes up to $25,000 or more. Peer to peer loans are difficult to get sometimes, and you can run into some high interest rates, so if you are about to get a loan, you should get a credit check so you can be sure that there are no surprises that are going to be unearthed in the process. Remember that you have a right to dispute anything that is on your credit report, so if you disagree with something you are fully within your rights to get your own side of the story in there. This may help you a great deal when your credit report is pulled when applying for the peer-to-peer loan, especially if it is for a larger amount and has a long repayment process.

Online Personal Loans in NC

Innovative Finance of North Carolina is committed to being a local resource for helping borrowers who need to borrow money online. Our website is the perfect spot to compare signature-based personal loans and borrow as little as $500 and up to $40,000 or more from the convenience of your home or office. We value your feedback and opinions, feel free to contact our editorial team anytime. The innnovativefinance.org portal is managed by a group of passionate writers who love personal finances, saving money and helping others. Don is the author of this page, he enjoys helping borrowers navigate the nuances of achieving their personal goals and saving money. Learn more about finances and lending regulations online.

Originally published in November of 2013 and revised in 2022 by Don.

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  • Short-Term Lending and Personal Loan FAQ Guide

    Borrowing money for the first time can be intimidating. There is a whole range of financial tools used by lenders to determine the borrower’s creditworthiness. For good reasons, however, personal loans and short-term lending are increasingly becoming popular for covering sporadic and massive expenditures.

    Here’s a guide that covers short-term lending and finding the best personal loan that suits you.

    What are business needs suitable for short-term financing?
    Different types of short-term lending are appropriate for varied business needs. Examples of needs projected to have short-term ROI include physical renovation, hiring new staff, and purchasing new equipment.
    Is APR an ideal way to make cost calculations?
    The annual percentage rate is only a single way to represent total interest cost and fees as a yearly payment which may appear higher than the overall cost of a short-term loan. When you look at other factors like the total cost of your loan and different business needs, you’ll realize that a short-term loan would better fit your business needs. At a glance, a short-term loan with a higher APR is more affordable than a long-term loan with a lower APR.
    How long does it take to receive a response?
    Depending on the loan issuer, your credit history and loan amount, the typical wait time could be 45 minutes or less. However, some lenders could take up to 3 working days to approve, it will vary from lender to lender and based on your unique lending needs.
    How does the lender determine the interest rate?
    Your personal short-term loan interest rate is determined based on your risk profile. The general rule is that the lower your credit score, the higher the risk. Lower risk means a lower interest rate, and higher risk means a correspondingly high interest rate.
    How long will I have to repay the loan?
    You’ll have to begin repaying the loan within 30 days in installments. Most lenders provide repayment terms ranging from six months to six or more years. The interest rate and monthly payment will be impacted by the period you choose to repay the loan.
    Are there other fees associated with personal loans?
    Creditors may charge sign-up, processing coupled with landing fees. In most cases, these charges are billed only once and are often outlined in the application documents. Although it’s not uncommon to have obscured payments, hidden fees would generally add up between 1 to 5% of the entire amount.
    Do I need a good credit score?
    Before you start applying for a short-term personal loan, it’s crucial to know you’ll qualify with your credit score. Most loan issuers are looking for customers with good credit scores. However, if you have a good relationship with the creditor, you may get a favorable term, particularly if your account shows a history of timely payments and honoring the terms of past loans.
    Can I get a loan with a low credit score?
    Loan issuers have different loans designated for people with varying credit scores. Lending options meant for consumers with bad credit are, without a doubt, different from those with good scores. While a higher score boosts your approval chances and gives you favorable terms, there are specific loans meant for people with low credit scores.
    How do I apply for a short-term personal loan?
    Once you’ve identified the financing option ideal for you, assemble all the documentation needed. Do not yield to the pressure to have money as soon as possible to offset the chances of making a shoddy application. It’s always good to fill the documents comprehensively, attach personal information, your resume if needed, business and personal tax returns, financial statements, and the collateral value that may be required.
    Will the lender approve my application?
    Your business and personal credit will be essential metrics in determining a lender’s decision. At its core, one of the handiest tools used by the lender is looking at your credit score. At the same time, other factors include your debt ratio, business debt, revenue trends, personal and business debt coverage.

    How do I improve my chances of getting approved?
    It sounds harsh that most loan requests are rejected. Looking at the reasons that contribute to applications’ inevitable rejection, the ideal way to improve your standing is to build your credit score. Aside from convincing the lender that you’re better suited for approval, a healthy credit score helps you qualify for favorable interest rates.

    Personal Loan Markets

    Innovative Finance helps connect consumers who are searching for help with consolidating debt, home improvement projects, credit card consolidation and more with online personal loan lenders. If you are searching for an online, unsecured loan product and live in these markets, we have lenders who may be able to assist you.
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