About Us


North State Acceptance has been serving Eastern North Carolina since 1997.


Over that time we have developed a philosophy of exceptional customer service. We believe in our customers and the communities we serve which is why we work hard to provide low-interest, low-hassle auto and personal loans to everyone, regardless of their credit history.

Our Process

We are primarily a sub-prime automobile finance company. We work directly with car dealerships by offering our financing plans to them. If a dealer has a potential customer who needs financing in order complete the sale, the dealer will see if we can approve credit for the customer. If all goes well, we will approve the loan and the new vehicle owner becomes our customer.

We also offer personal loans to those people in our community who need money for emergencies, college, or anything else life throws their way. Our dedicated loan officers form relationships and listen to the needs of our customers in order to provide solutions that will best fit their individual situation.

Working With Us 

With 11 locations across  North Carolina, Tennessee and Virginia  you are never too far away from one of our offices. Plus, with convenient online payments through Moneygram, managing your loan can be done on your schedule anytime- anywhere.