Online Loans in North Carolina

Have you ever been face to face with an unplanned but essential expense and not had the money to deal with it? Well, if you answered yes, then you might want to look into a line of credit in North Carolina!

Applying for an Online Loan in North Carolina

With a population of over 10 million, the Tar Heel state has a storied history and has much to offer anyone who passes through. Home to iconic brands like Krispy Creme and Pepsi, this state is also the home to beautiful nature, kind people, and great food.

The cost of living in North Carolina falls below the national average, making it a relatively affordable place to live if you’re trying to keep your expenses low. It has major cities like Charlotte and Raleigh, and also has interesting travel destinations for tourists like the Outer Banks.

In any case, despite the relatively low cost of living, residents of North Carolina still need to be prepared for the same emergency financial situations that people all over the country need to deal with. This could be anything from an emergency medical situation, an unexpected car repair, or unplanned home repairs. Trying to face down situations like these without an emergency fund at the ready can be tough, which is why North Carolina loans online might be worth looking into.

How it Works

With a Line of Credit through CreditFresh, you may be able to qualify for an online loan with a credit limit between the range of $500 to $5,000.

With a Line of Credit through CreditFresh, the application process is convenient and can be completed online in minutes.

If your application for a North Carolina online loan is approved, you will have the flexibility to draw funds from your available credit. On top of this, the money you request can be in your bank account the same business day3!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Credit Limit: $500 to $5,000

Loan Type: Line of Credit

Minimum Payment: Billing Cycle Charge + Mandatory Principal Contribution

Funding Time: Same Business Day3

Why Choose Online Loans through CreditFresh?


Access Credit When You Need It
  • Stay flexible when it comes to your finances so you can take care of emergencies.
  • Have money on hand when you really need.
  • You may be able to get your funds the same business day3.


Excellent Customer Service
  • Need help? Our Customer Service team is happy to give you a hand when you need it!
  • We’re available 7 days a week for any questions you may have about the Line of Credit offered through CreditFresh.


Fully Online Experience
  • Submitting a request for this Line of Credit can be done online from wherever is most convenient.
  • Request draws, make payments, and view information about your Line of Credit from your secure online account.

Online Loans in North Carolina through CreditFresh: The Details

If you’re ever in the midst of facing down an unexpected expense and you need a little financial help to deal with it, an online loan in the form of a line of credit could be a useful tool to consider! This could be for things like medical emergencies, essential car repairs, or home repairs.

If you’re looking to submit a request through CreditFresh, click here or call us at 1-800-766-2007 for more information.

Credit Limit

$500 to $5,000.

Making a Draw

You have the option to withdraw available funds

all at once, or in smaller amounts from your available credit, as needed, so long as your account is in good standing. If you request a draw, funds may be deposited into your bank account the same business day3.


For each billing cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance.

For further details, visit the Cost of Credit page or your credit agreement.

Repayment of Your Online Loan in North Carolina

If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.

You will be issued a periodic statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your periodic statement will include important details such as your Minimum Payment and your Payment Due Date.

Your Minimum Payment will be made up of two components:

  • Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your periodic statement; and
  • A Mandatory Principal Contribution: this helps ensure you are always paying down your Outstanding Principal Balance.

You can always make additional payments towards your Outstanding Principal Balance without prepayment penalties. You may log into your account to make a payment online using most debit or pre-paid cards.

For further details, visit the Cost of Credit page.

Here’s what customers are saying

Frequently Asked Questions about Line of Credit in North Carolina Online

In order to qualify for an online loan through CreditFresh, you must:

  • Be of legal age to contract in North Carolina
  • Be a US citizen or a permanent resident
  • Be a resident of North Carolina
  • Have an active bank account
  • Have a regular, consistent source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have charges that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Yes, if you want to be able to qualify, you’ll need to ensure that you have an active bank account.

If you’d like to submit a request for this online loan, there’ll be no need to make an appointment. Getting started is easy! Just click here and you can fill your application out in minutes1.

Yes, online loans are currently offered through CreditFresh in the form of a Line of Credit in Texas, Alabama, Michigan, Hawaii, South Carolina, Delaware, Arkansas, Oklahoma, Louisiana, Arizona, Indiana, Florida, Georgia, Kentucky, Alaska, Missouri, Alaska, Montana, Ohio, Nebraska, Utah, Kansas, Washington, Tennessee, Idaho, Mississippi, Alaska, New Jersey, Wisconsin, and Wyoming in addition to North Carolina.

We’re here to help!

If you’re looking for some help or you need more information on anything to do with the process of requesting an online loan in North Carolina through CreditFresh, visit our general FAQs page. For any other questions, feel free to contact us.