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 northstateacceptance.com! 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.

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

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




North State Acceptance, L.L.C, a North Carolina Limited Liability Company, is a specialty finance company headquartered in Raleigh, North Carolina with 9 offices across three 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. Please note that APR depends on several factors, including your credit rating, the amount you want to borrow, and how much you already owe to other creditors.

North State Acceptance Locations

We have 9 branch offices across three states. Select the closest branch below to find out more information or contact a loan specialist.  Please note that we have consolidated our Fayetteville, Dover, Greensburg, Monroe, Maryland,  Richmond and Va Beach operations to our Raleigh office. Customers with payment and account inquiry questions should contact our Raleigh office or pay online Makeapayment.  


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