Frequently Asked Questions

Can I file for a credit bureau dispute?

“You, the consumer,  have the right to prohibit information contained in the file on the consumer maintained by any CRA from being used in connection with any credit transaction that is not initiated by you and you may prohibit such use by notifying us in writing to:           North State Acceptance  4700 Six Forks Rd Suite 203  Raleigh, NC  27609. Any other disputes from information obtained on your credit report may be directed to us in writing at the branch where you obtained your loan listed under the locations tab. You may also file a dispute or fraud alert with the credit bureau of your choice listed below.”

PaymentUs information

paymentus information

*If using PaymentUs be sure there is enough money in your account to cover your payment with us as well as the $7.95 PaymentUs convenience fee. If there are not enough funds to cover both, it could result in the bank placing a hold on your funds.



Can I purchase a vehicle from a personal owner?

Yes! North State Acceptance grants loans for auto purchases from private sellers if the amount financed is less than $15,000 and the previous owner has the lien-free title. No salvage titles will be accepted.

What are my payment options? Can I pay online?

You can pay in person at your local North State branch, mail your payment to your branch, or pay online with Make a Payment icon

When is my payment considered late?


Your payment is considered late the day after the due date.

North Carolina residents only: will not incur a late fee until 10 days following the due date.
Loans prior to 7/2017 fee of $6.00             Loans after 7/2017 fee of $15.00

Tennessee residents only: will not incur a late fee until 5 days following the due date.
$15.00 or 5% after 5 days whichever is greater

Virginia residents onlywill not incur a late fee until 7 days following the due date.
After 7 days 5% of payment

South Carolina onlywill not incur a late fee until 10 days following the due date.
After 10 days, the lesser of 5% or $18.50 but not less than $7.40. **prior to 7/18 late fee was $18.00 not less than $7.20.

Maryland residents onlywill not incur a late fee until 5 days following the due date.
$5.00 or 10% after 5 days – whichever is greater

Delaware residents only:  will not incur a late fee until 10 days following the due date.
5% or $15.00 whichever is less after 10 days past due.

Pennsylvania residents only: will incur a late fee after 1 day following the due date.
2% of the amount of the payment past due.

What do I do with an insurance claim check I received for repairs?

After the repairs to your vehicle are completed, please bring the insurance check, vehicle, and repair order to the North State branch where you financed your vehicle.

How do I file a GAP claim?

You don’t have to do anything to file a GAP claim. North State files these claims for you once everything has been settled with the primary insurance carrier.

What credit score do you require to approve a loan?

We accept less than perfect credit so a low credit score may not necessary prevent you from getting a loan. In fact, we pride ourselves on making loan decisions by real people for real people.

What do I need to do if my car is involved in an accident?

Contact the insurance clerk at the North State branch where you financed your vehicle immediately.

What insurance coverage must I keep on my vehicle?

During the entire length of your loan, you must keep it insured with full coverage (comprehensive and collision). North State Acceptance must be listed as lien holder or additional insured.

What are my allowable insurance deductibles?

Your deductibles for comprehensive and collision insurance coverage must be no more than $500.

Do I need to notify North State if I switch auto insurance companies?

Yes, you must let North State know that you switched your insurance company. Otherwise, it may cause your monthly payments to go up for failure to keep us listed as a lien holder for comprehensive and collision coverage.

How can I get a copy of my credit report if I was turned down for credit?

If you were denied credit within the last 60 days, you are entitled to a free copy of your credit report. Each individual credit reporting agency has their own policies and procedures:

In addition, you are entitled to one credit report free of charge each year from each credit reporting agency. You can access this report at

Why isn't my North State loan showing up on my credit report?

North State reports to Equifax, Trans Union and Experian. If your account isn’t showing please contact the branch and verify your personal information.

Who do I contact if I have a complaint?

Firstly, speak with the branch manager of the North State branch location that issued your loan. If that fails to resolve the situation, please contact the Raleigh home office at 984-200-3768 for further assistance.

Alternately, you can fill out our contact/feedback form online.