Best Student Loans in North Carolina

Private student loans and refinancing options to fund undergraduate, graduate, and professional programs. In North Carolina, personal loans are capped at 30% APR for licensed consumer lenders, overseen by the North Carolina Commissioner of Banks.

North Carolina Lending Overview

Personal Loan APR cap

30%

Median Home Price

$332,000

Median Household Income

$70,000

Avg Student Debt

$38,929

State Regulator

North Carolina Commissioner of Banks

Notable law: North Carolina let its payday lending authorization expire in 2001 and later passed legislation explicitly prohibiting it, making it one of the first states to ban the practice.

8 Student Loans Lenders serving North Carolina

Best Egg

Student Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of North Carolina

Apply at Best Egg

Better Mortgage

Student Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of North Carolina

Apply at Better Mortgage

Bluevine

Student Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of North Carolina

Apply at Bluevine

Capital One Auto

Student Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of North Carolina

Apply at Capital One Auto

Earnest

Student Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of North Carolina

Apply at Earnest

LightStream

Student Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of North Carolina

Apply at LightStream

LightStream Auto

Student Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of North Carolina

Apply at LightStream Auto

OnDeck

Student Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of North Carolina

Apply at OnDeck

North Carolina Lending Laws

North Carolina let its payday lending authorization expire in 2001 and later passed legislation explicitly prohibiting it, making it one of the first states to ban the practice.

The primary regulator for consumer lending in North Carolina is the North Carolina Commissioner of Banks. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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