Secured Debt Any For Loan In North Carolina
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Compare the Best Secured Personal Loans for February 2025 Best ForAPR Range Patelco Credit Union Best Overall, Best Credit Union 9.30% - 17.90% Upgrade Best for Fair or Bad Credit 7.99% - 35.99% OneMain Financial Best for Range of Vehicles 18.00% - 35.99% Best Egg Best for Homeowners 6.99% - 35.99%1 more row
General Provisions. § 24‑1. Legal rate is eight percent. Except as otherwise provided in G.S. 136‑113, the legal rate of interest shall be eight percent (8%) per annum for such time as interest may accrue, and no more.
North Carolina interest rate laws set the maximum rate at 8 percent, but explicitly allow consumers and creditors to "contract for a higher rate." State law also exempts mortgage loans, equity lines of credit, and some other types of credit from the statutory limit.
The statute of limitations on debt in North Carolina is three years, ing to N.C.G.S. § 1-52 (1). If your creditors want to sue you over unpaid debts, they have three years from when you defaulted on the debt .
