Personal Loans
Take control of your financial goals with a loan up to $14,500.
Loan Types We Provide
Dealer Financing
Join the growing list of auto dealerships in North Carolina who are taking advantage of our financing offers. Contact us to learn more about our dealership program.
Why HCC Loans
Online Or In-Person
Take control of your financial goals with a loan up to $14,500.
Find A Branch Near You
No Hidden Fees
We operate with full transparency. There are no hidden fees & no pre-payment penalties.
Family Owned and Operated
Loans are approved right here in North Carolina by people you know and trust.
Loan Processing Fee*
Same-Day funding available in most cases.
How To Use Your Loan
Debt Consolidation
Home Renovation
Life Event
Loan Processing Fee*
Loan Processing Fee*
Overview of a $1,500 Loan
Amount Financed
One-time fee for loan processing
$1,500
Federal Annual Percentage Rate
The cost of your credit as a yearly rate
35.76%
State Annual Percentage Rate
The cost of your credit as a yearly rate
33%
Finance Charge
The dollar amount your credit will cost you
$459.84
18 Monthly Payments of
The amount you will pay each month
$108.88
Total Payments
The amount you will have paid after all scheduled payments
$1,959.84
Loan Processing Fee*
One-time fee for loan processing
$30
The interest represented assumes full payments each month for the entire term of the loan using autopay repayment. HCC Loans personal loans never have pre-payment penalty, so the loan can be repaid at any time by making a full payment of the remaining balance and incurred interest at the time of payoff.
Loan terms range from 12 to 60 months. *A loan processing fee of $30-$150 is charged to each loan. North Carolina Consumer Loan License #124602
This loan quoter is an Example and not an offer of credit.
Earning Your Trust Since 1991
5-Star Ratings On Google
“Absolutely love Carol and all the staff here. Always willing to help you out with a loan. I have had 2 loans here and would highly recommend them. If they can help you they will. Dawn the receptionist and the front desk who takes your payments always has a smile and a friendly hello.”
- Shane Bradley (Hendersonville, NC Branch)
“Great company to deal with. They gave us a 2nd chance when nobody would. I recommend them to everyone.”
- Ryan M. (Hickory, NC Branch)
“Always a professional and polite staff, I have been a customer for several years and will continue to do business with them in the future. They are the best in J'ville for your loan needs.”
- J.Daughtry (Jacksonville, NC Branch)
Dealer Financing
Join the growing list of auto dealerships in North Carolina who are taking advantage of our financing offers. Contact us to learn more about our dealership program.
Get more approvals. Sell more cars.
Call: 1.855.791.LOAN (5626) Email: info@hccloans.com