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

You may make your payment online using any of the links.  We only accept debit cards and e-checks using a third-party service provider, Paymentus.  Paymentus charges $7.95 for each individual payment of up to $1500.  The fee covers payment handling and processing charges and we do not receive any part of the service fee.  If using PaymentUs be sure there is enough money in your account to cover your payment with us as well as the 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. Interest will continue to accrue on your loan daily, and nay interest that accumulates from delaying your payment may result in an extra payment at the end of your loan term.  If we haven’t received payment within, 10 days following the due date we may charge a late fee and depend on how late your payment is we may work with collection agencies.

Reporting late payments to credit bureaus:

We report all account experiences-positive and negative-to one or more of the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments.

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.

How to protect yourself from scams

Scammers often try to trick consumers by pretending to be employees of financial companies like North State Acceptance.  If someone contacts you asking for information or offering a service, be aware that:

  • We will never email you to collect your account number, credit card information, Social Security number or date of birth
  • We will never ask you to download software in an email.
  • We will never call or email you to confirm or change your password
  • We will never call you and ask for your credit card or debit card information.
  • We will never call or email you to ask for an advance fee in exchange for a loan or payment plan.

If you have concerns about whether an email or phone call that seems like it’s from North State Acceptance is legitimate, you can always contact us at 984-200-3768 to make sure.  To learn more about how we protect your financial information, review our Privacy Policy.