We believe in our customers and the communities we serve which is why we work hard to provide convenient auto or personal loans to meet our customers’ needs. Our loan decisions are made locally and never based purely on a credit score. Our commitment to each and every customer is to provide exceptional financial solutions along with friendly, fair, and professional customer service.

We invite you to do business with a lender where loan decisions are made by real people for real people.

Welcome to the new! We've significantly upgraded our site to provide you with online options for loan applications, payments, customer service, and even employment applications - to match the great service you'll continue to receive in our branch offices. To get started, select one of the links below.

APPLY ONLINE - Looking for an car loan or personal loan? Apply online today.

MAKE A PAYMENT - We now offer three easy ways to make your payment.

LOAN CALCULATOR - Know how much you can afford before you buy.

CAREER OPPORTUNITIES - Review our current openings and submit an employment application

CONTACT US - Questions? Comments? We want to hear from you.



North State Acceptance is a specialty finance company headquartered in Raleigh, North Carolina with 16 offices across seven states in the Mid-Atlantic region. We’re primarily an automobile finance company that purchases and services retail installment sales contracts from our automobile dealership partners to offer affordable loans to customers with less than perfect credit. Our local loan officers form relationships with and listen to the needs of our customers in order to provide solutions that best fit their individual situation.


When you submit an application, your auto or personal loan application will be personally reviewed by a local loan officer in your branch to understand your complete financial situation and credit history to offer you the most competitive rates and terms.


North State Acceptance Locations

We have 16 branch offices across seven states. Select the closest branch below to find out more information or contact a loan specialist.


Company News

2016 Holiday Schedule

We’ve released our 2016 company Holiday Schedule. All North State Acceptance branch locations are closed on the following days: New Years Day – Friday, January 1st Martin Luther King Day – Monday, January 18th Easter – Monday, March 28th...

Now Open in Greensburg, PA

We’re pleased to announce that we’ve opened a new office in the Pittsburgh area in Greensburg, Pennsylvania. The office opened in October and is ready to serve customers’ auto and personal loan needs. This is our 16th office, and the seventh state in...