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Viva Payday Loans > Quick Payday Loans NC

Quick Payday Loans NC

None of us are immune to unexpected expenses and financial emergencies. Payday loans Nc provide North Carolina residents facing urgent repairs, medical bills, can’t-miss deals, or sudden costs with access to quick and easy funds. Payday loans in Nc can help you stay afloat and provide welcome relief when expenses are breathing down your neck in the middle of the month.

Viva Payday Loans makes it quick and easy to access online payday loans Nc by providing a free loan-matching service to access short term lenders in North Carolina with a single application!

This overview uncovers what payday loans are, how they work, the eligibility criteria and how to apply for on in four easy steps. Here’s everything you need to know about payday loans in Nc and how you can access them.

What Are Payday Loans, And How Do They Work In North Carolina?

Payday loans in Nc are small short-term cash advances that help cover pressing expenses as you wait to get paid. You get access to a lump sum of cash that you repay within a few weeks when you are paid your salary/wages.

Payday lending within state lines has been prohibited in North Carolina since 2001, meaning you won’t get any storefront locations to borrow Nc payday loans. However, lenders can operate online within state lines, provided the company isn’t in North Carolina.

You can apply for online payday loans Nc from short-term lenders, and Viva Payday Loans will connect you with them free of charge! No matter your budget, needs, or situation, the automated system will connect you with lenders able to provide a tailored solution.

You’ll get matched with top lenders offering payday loans in Charlotte Nc or any other city in the state of North Carolina.

How Do Payday Loans In Nc Work?

Through the Viva Payday Loans loan-matching service, you can access Nc payday loans from reputable lenders with a few simple clicks. You only need to fill out a simple online application form and get matched with lending partners on the panel based on your requirements.

Most payday loans only offer loan amounts up to $1,000 and must be repaid within 30 days. With Viva Payday Loans, you get access to lending partners offering online payday loans Nc from $100 to $5,000, and you can choose to repay in 7 to 30 days or 2 to 24 months.

Emergency *one-hour payday loans in Nc no credit check can come in handy when you need fast cash for something that can’t wait. As long as you’re eligible and can afford the loan, Viva Payday Loans matches you to lenders who are quick with approvals and payouts.

North Carolina state laws impose a 36% cap on all small dollar loans, and all lenders must comply. When you apply for payday loans in Nc through Viva Payday Loans, you can expect the lenders you’re matched with to charge interest rates from 5.99% to 35.99%.

A Choice Of Types Of Payday Loans In Nc

Depending on your needs and situation, you can apply for different Nc payday loans through They include:

Emergency One Hour Payday Loans In Nc No Credit Check

*Emergency one-hour payday loans in Nc no credit check are suitable for borrowers who need cash in a hurry and have an inadequate or non-existent credit score. Lenders who offer *emergency one-hour payday loans in Nc no credit will assess your application based on more than your credit score.

The third-party lenders you’re matched with may perform a credit check at some point, but past hiccups aren’t all they are looking for. Instead, they are trying to determine your current financial status and affordability.

Lenders who offer *emergency one-hour payday loans in Nc no credit check assess your application based on how you currently handle your finances and your income and monthly expenses. They’re usually small loans from $100 to $2,000, and you can quickly repay and improve your credit score in no time.

If you fail to get matched with a lender, Viva Payday Loans provides you with alternative credit solutions like credit repair or debt consolidation.

No Collateral Payday Loans In Charlotte, Nc

All payday loans in Charlotte Nc and North Carolina state are unsecured, meaning you don’t need to provide any collateral for the loan. Lenders will only require your signature on the loan contract and proof that you can afford to repay the loan.

With unsecured payday loans in Charlotte, Nc, none of your assets is at risk of repossession. The lender faces more risk than you, and to mitigate such risks, they may charge higher interest rates than secured loans.

When you apply through Viva Payday Loans, you get free access to lenders who don’t exceed a 35.99% APR for no collateral payday loans in Charlotte, Nc.

Nc Payday Loans For The Unemployed

Most lenders prefer to work with formally employed applicants who have paycheck salaries and can automatically reject you if you don’t have a traditional job. Viva Payday Loans evens the playing field by providing a free matching service to lenders who offer Nc payday loans for unemployed borrowers.

You can still earn an income without a regular job through other alternative sources of income like dividends, self-employment, rental income, pension, child support, or alimony.

Viva Payday Loans connects you to lenders who accept all kinds of income. You can qualify and get approved for Nc payday loans for the unemployed, provided you earn at least $1,000 monthly and can afford repayments.

*Disclaimer: while viva Payday Loans doesn’t check your credit, your credit may be checked by one or more of our lending partners and their third-party credit bureaus upon submission of your request or later. More information is available in our terms and conditions. 

Common Features Of Payday Loans In Nc

Online payday loans Nc share the following features:

Affordable Amounts From $100 to $5,000

You should never take out a loan amount you can’t afford to repay comfortably. To make it easier for borrowers to choose affordable loan amounts, Viva Payday Loans matches you with lenders who offer payday loans in Nc from $100 to $5,000.

Quick And Easy Online Payday Loans Nc

Through Viva Payday Loans, you get an easy and hassle-free process to apply for online payday loans Nc. You only need a few minutes to complete the online application form and get matched to a suitable lender according to your requirements. You’ll not need to look for branches, complete endless paperwork, or make calls to borrow money.

Same Day Payday Loans

Viva Payday Loans matches you to lenders who offer *emergency one-hour payday loans in Nc no credit check with quick payouts. You’re funded within a few hours after signing the loan contract on the day you apply. The longest you can wait for Nc payday loans is 24 hours.

Advantages And Disadvantages Of Payday Loans Nc


All Credit Scores Welcome

No matter your credit score, Viva Payday Loans can find you a suitable lender and match you to them free of charge. They’re known for helping everyday Americans access Nc payday loans regardless of their credit history. All that matters is your affordability and how you handle your finances now.

Flexible Repayments

You’ll not get blanket terns when you apply for online payday loans Nc through Viva Payday Loans. You get connected with lenders who offer flexible repayment terms and allow you to choose how and when you repay the loan. You can select periods of 7 to 30 days or 2 to 24 months and decide to make weekly, biweekly, or monthly repayments.

Free Access To A Wide Panel Of Lenders

It can be challenging to find lenders who help borrowers with bad credit or non-traditional jobs access payday loans in Nc. Viva Payday Loans works with many lending partners in North Carolina and across the country, increasing your likelihood of finding a suitable loan option.


High Interest

The rates you get are always at the lender’s discretion and depending on how the lender perceives your risk level, you can get high-interest rates on payday loans Nc. The state code forbids lenders from charging more than 36% per annum as APR. When you apply through Viva Payday Loans, you get access to lenders who charge interest from 5.99% to 35.99%.

Eligibility Criteria For Payday Loans In Charlotte Nc

To apply for *emergency one-hour payday loans in Nc no credit from lenders at, you must:

  • Be at least 18 years of age
  • Have valid identification
  • Have pay slips or bank statements that prove you earn at least $1,000 monthly
  • Have an active US bank account
  • Pass the affordability assessment
  • Have a permanent US address

How To Apply For Online Payday Loans Nc

Follow these four simple steps to apply for payday loans Nc through Viva Payday Loans:

Step 1: Choose The Amount You Need And For How Long

The first step is to select the amount you’d like to borrow, from $100 to $5,000, and a suitable repayment term. Carefully check the repayment information to confirm you can afford loan repayments.

Step 2: Complete The Application Form

You must complete an online application to capture the information required to verify that you qualify for payday loans Nc. Simply input your particulars like name, surname, address, banking details, employment details, and a list of your expenses. Ensure you maintain accuracy to avoid mistakes or errors.

Step 3: We Explore The Entire Market For A Loan

Once you submit the completed application form, you’ll only wait 90 seconds to get feedback on your request. We’ll send your application to various lenders, and once they accept your request, they’ll reach out. If you accept an offer from a lender, you’ll get transferred to their site to complete the process. You’ll also get a message if you’re unsuccessful.

Step 4: Sign Your Contract & Get Your Cash

Once approved, you’ll receive a loan contract to review and accept. Read it carefully, and once you’re satisfied with the terms and conditions, sign and return it to the lender. Lenders will disburse the approved amount as soon as possible after you return the signed loan agreement. Some can pay out the loan within 60 minutes, while others will take up to 24 hours.


Can You Get A Payday Loan In Nc?

Payday loan lenders can’t operate within the state lines of North Carolina, meaning you can’t borrow payday loans in Nc from storefronts. However, lenders can offer online payday loans in Nc, provided they comply with state laws.

Are Cash Advances Legal In Nc?

The North Carolina state code states that lending businesses can offer short-term cash advances or other loans but can’t charge more than 36% APR. When you apply through Viva Payday Loans, you get matched with top short-term lenders who charge interest rates from 5.99% to 35.99%.

Can You Get Turned Down For A Payday Loan?

Yes. Lenders will look at your monthly income and expenses to determine affordability. Always request amounts you can realistically afford and try asking for lower amounts or increasing your income to increase your chances of approval. You can get turned down for a payday loan if you don’t meet the eligibility criteria or can’t afford to repay the borrowed amount.

Can You Get A Cash Advance From Two Different Places?

Although it’s possible to get another payday loan in Nc when you already have one, you should avoid it. The terms are likely to be worse than the original payday loan, and it can be difficult to repay both loans at once, increasing your chances of getting into overindebtedness. Repay any current payday loan first before accessing another one.

What Is The Best Place To Get A Payday Loan In Nc?

At Viva Payday Loans! They provide a free matching service to top lenders who offer payday loans Nc from $100 to $5,000 with repayment periods of 7 to 30 days or 2 to 24 months. You get free access to specialized lenders who help borrowers with bad credit scores or non-traditional jobs!