Best Credit Builder Loans in North Carolina

Published: 8 February 2024

Author: Noah Gomez 

Finding the right credit builder loan takes time and effort, and sometimes local institutions offer better terms than national offers. In North Carolina, we looked at over 20 banks, credit union, and online providers to find the most cost-effective and quality options in the market.

Best Overall

Summit Credit Union

Avg. Principal: $3,000
Avg. APR: 9.5%
Avg. Length: 36 months

At 36 months and an average principal of $3,000, Summit Credit Union's credit builder is slightly more powerful than the national averages, but it's coverage of over 300+ organizations across the state and 9.5% APR make it a much more competitive offer than other credit unions that have limited membership potential, such as Duke credit union and it's association with the university.

Best from Bank (Physical)

Regions Bank

Avg. Principal: $1,625
Avg. APR: 5%
Avg. Length: 12 months

Best from Credit Union

Summit Credit Union

Avg. Principal: $3,000
Avg. APR: 9.5%
Avg. Length: 36 months

Best from Digital Lender


Avg. Principal: $6000
Avg. APR: 7.42%
Avg. Length: 66 months

Best North Carolina-Only Credit Builder Loans

Best Multi-State Credit Builder Loans Available in North Carolina

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