States › North Carolina › Payday loan, title loan, personal loan, or advance loan
Who in North Carolina is complaining aboutPayday loan, title loan, personal loan, or advance loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
North Carolina consumers filed 606 complaints under “Payday loan, title loan, personal loan, or advance loan” in the 12 months to 30 Sep 2026, up 72% on the 352 of the 12 months before. That is 5.40 per 100,000 residents, close to the national 5.20.
The category makes up 0.2% of the state's complaints, against 0.3% nationally. 4.3% of closed complaints ended with monetary or non-monetary relief (5.6% nationally) and 93.4% of responses were timely.
Companies with the most Payday loan, title loan, personal loan, or advance loan complaints from North Carolina, with their size
Ordered by complaints from North Carolina consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from NC, 12 months | Share | Company size |
|---|---|---|---|
| Affirm Holdings, Inc | 71 | 11.7% | no public measure |
| OneMain Finance Corporation | 32 | 5.3% | no public measure |
| Paramount GR Holdings, LLC | 21 | 3.5% | no public measure |
| Klarna AB | 19 | 3.1% | no public measure |
| STATE EMPLOYEES’ CREDIT UNION | 18 | 3% | no public measure |
| Opportunity Financial, LLC | 14 | 2.3% | no public measure |
| Upstart Holdings, Inc. | 13 | 2.1% | no public measure |
| Zip Co US Inc. | 12 | 2% | no public measure |
| TRUIST FINANCIAL CORPORATION | 12 | 2% | $548bn assets |
| Block, Inc. | 11 | 1.8% | no public measure |
| UPGRADE, INC. | 11 | 1.8% | no public measure |
| MoneyLion Inc. | 10 | 1.7% | no public measure |
| Lendmark Financial Services | 9 | 1.5% | no public measure |
| Self Financial Inc. | 8 | 1.3% | no public measure |
| ENOVA INTERNATIONAL, INC. | 8 | 1.3% | no public measure |
| SYNCHRONY FINANCIAL | 8 | 1.3% | $115bn assets |
| Chime Financial Inc | 7 | 1.2% | no public measure |
| GVA Holdings, LLC | 7 | 1.2% | no public measure |
| Credit Fresh Holdings Inc | 7 | 1.2% | no public measure |
| Dave Operating, LLC | 7 | 1.2% | no public measure |
| All other companies, including those not listed by name | 301 | 49.7% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 2 of the 20 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 115 | 19% |
| Problem when making payments | 97 | 16% |
| Incorrect information on your report | 81 | 13.4% |
| Struggling to pay your loan | 60 | 9.9% |
| Getting the loan | 53 | 8.7% |
| Problem with additional add-on products or services | 47 | 7.8% |
| Problem with the payoff process at the end of the loan | 37 | 6.1% |
| Problem with a company's investigation into an existing problem | 25 | 4.1% |
| Getting a line of credit | 13 | 2.1% |
| Can't stop withdrawals from your bank account | 12 | 2% |
| Other CFPB issue categories | 66 | 10.9% |
How companies responded
- Closed with explanation551 · 90.9%
- In progress18 · 3%
- Closed with monetary relief14 · 2.3%
- Untimely response12 · 2%
- All other categories11 · 1.8%
| Measure | North Carolina, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 5.40 | 5.20 |
| Closed with monetary or non-monetary relief | 4.3% | 5.6% |
| Responses marked timely | 93.4% | 94.5% |
Trend
Other products in North Carolina
Credit reporting or other personal consumer reports · 224,555Debt collection · 12,842Credit card · 2,788Checking or savings account · 2,724Money transfer, virtual currency, or money service · 1,288Mortgage · 1,025Vehicle loan or lease · 905Student loan · 710
Questions and answers
How many Payday loan, title loan, personal loan, or advance loan complaints come from North Carolina?
606 in the 12 months to 30 Sep 2026, 352 in the 12 months before and 1,252 since 2011.
Is that high for the population?
5.40 per 100,000 residents in North Carolina against 5.20 nationally.
Which issues come up most?
“Charged fees or interest you didn't expect” (19%), “Problem when making payments” (16%), “Incorrect information on your report” (13.4%), “Struggling to pay your loan” (9.9%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.