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 a 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 15 offices across six 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 15 branch offices across six states. Select the closest branch below to find out more information or contact a loan specialist.  Please note that we have consolidated our Maryland operations to our Dover location. Dealers, please contact our Dover office. Customers with payment and account inquiry questions should contact our Raleigh office.


Company News

2018 Company Holiday Schedule

North State Acceptance offices are closed in observance of the following holidays: New Year's Day - Monday, January 1, 2018 Martin Luther King, Jr. Day - Monday, January 15, 2018 Easter Monday - Monday, April 2, 2018 Independence Day - Wednesday, July 4, 2018 Labor...


North State Acceptance is excited to announce that we will begin using PaymentUS, a third party payment processing service, effective December 5, 2017.  This service will allow you more easy convenient ways to pay!  There are fees associated so to avoid fees, you are...