Looking To Refinance Your Auto Loan In North Carolina During March 2020?
Getting the best deal on an auto refinance loan in North Carolina can save you a significant amount of money. That’s why you need a partner who knows how to get you approved for the loan that you want at the best auto loan refinance rates possible and with no hassle.
The AllCreditCarLoans network of finance partners provides quick and easy vehicle refinance decisions. Our finance partners are making more loans, approving borrowers with lower credit scores, offering lower monthly payments and making larger loans than ever before. There has never been a better time to get a car refinance loan than right now.
By working with AllCreditCarLoans, you can get preapproved for auto refinance and start saving money right away.
So, no matter what your credit situation, if you are looking for a quick, no-hassle car refi loan at the best rate, just click the button below to get the process started. Our one-page application form is simple and easy to use. It only takes a few minutes.
We Can Get You Refinanced Despite Any Special Circumstances
You need to refinance your car and we are here to help you get it done!
Your chances of obtaining vehicle refinancing are very good. Via our network of lender partners, we have many options available to get you refinanced. Difficult circumstances are our specialty and we have seen nearly every situation possible.
We have helped…
Borrowers with a past repossession
Borrowers with a past bankruptcy
Borrowers who are paid in cash
Borrowers who are self-employed
Borrowers who receive social security benefits
Borrowers who are on disability
Borrowers who are retired
Apply today and let us start helping you get your car refinanced!
Watch Our Video On Refinancing Your Car Loan In North Carolina
AllCreditCarLoans Follows A Simple 1-2-3 Refinance Car Loan Application Process
No need to wait for hours at your nearest bank or submit tons of paperwork. With AllCreditCarLoans, everything is as easy as 1-2-3.
- 1 - COMPLETE OUR ONLINE APPLICATION - This process only takes a few minutes to complete. Our one-page application is safe and secure, so you don’t have to worry about the safety of your information. Everything is done online. There are no fees or hidden charges. Applying is totally FREE.
- 2 - RECEIVE YOUR LOAN APPROVAL - Getting your credit approval is fast and easy. AllCreditCarLoans has an extensive lending network, so the refinance loan approval process is fast and efficient. You don’t have to wait for days, weeks or months. Many applicants receive loan approval on the same day they apply.
- 3 - COMPLETE THE LOAN PROCESS - With our easy as 1-2-3 process, you can finalize the refinance process on the same day your loan is approved. You'll sign new loan documents and our refinance partner will pay off your old loan and give you a payment plan that saves you money.
Your Vehicle Financing Options
Your credit history and whom you are buying your car from will determine what kind of auto loan you need.
Whether you are buying a used or new vehicle from a dealer; you need a program designed to help you get a loan despite any credit challenges; or you are looking to refinance an existing loan - we are here to help.
We provide a variety of vehicle financing options to suit your budget and credit situation:
- North Carolina New Car Loans
- North Carolina Used Car Loans
- North Carolina Auto Refinance Loans
- North Carolina Good and Fair Credit Car Loans
- North Carolina Bad, Poor and Horrible Credit Auto Loans
Our loan programs are tailored to your exact needs and budget and are designed to meet or exceed the features of national auto refinance companies like Capital One Auto Refinance, Carmax Used Cars, USAA Auto Refinance, Ally Auto Refinance, Chase Auto Refinance, Wells Fargo Auto Refinance, Bank of America Auto Refinance, Navy Federal Car Loans, AAA Auto Loans, Key Bank Auto Loans, PNC Car Loans, Bankrate Auto Loans, US Bank Auto Loans, TD Bank Car Loans and State Farm Auto Loans.
AllCreditCarLoans works with the best buy here pay here dealerships near you, bad credit dealers, second chance dealers and other lenders to provide the best rates.
We've provided loans for first-time buyers, students, active military and veterans. We've helped foreign nationals and others who do not qualify for a social security number to obtain an auto loan with their ITIN.
If you are looking for a title loan or the best place to refinance your vehicle, we have programs that can help you as well.
We also specialize in subprime auto financing even after bankruptcy and a repossession.
You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the button below to let us get started helping you today!
Auto Refinance Car Loan Calculator For North CarolinaUse the AllCreditCarLoans auto refi calculator to help determine how much you can afford to spend when refinancing your car. You can run multiple scenarios varying the terms in order to get the monthly payments you are looking for. We recommend that your total car expenses be no more than 20% of your after-tax pay.
What To Know Before You Apply For Auto Refinancing
Refinance Loan Interest Rates
The interest rate you’ll receive depends upon your credit history, your income, the length of the loan and the balance of your current loan.
Refinance Car Loan Terms
While it is possible to find a lender who will finance a vehicle for up to 84 months, we don't recommend stretching out payments any longer than you need. It’s best to pay off a car loan as quickly as you can since cars depreciate rapidly. The longer the loan term, the more probable that at some point you will end up owing more on the loan than the car is worth. Being underwater or upside-down on a loan is a risky financial situation. The best interest rates are available for shorter loan terms.
Car Refinance Loan Credit Score
Credit scores give lenders an idea of how you manage your finances. These scores are essential in helping you plan your finances well. Likewise, credit scores can be testaments of how well you make decisions, as well as how healthy your spending habits are. Credit scores can help determine whether you pay your bills on-time, if you use your credit cards wisely, and how well you manage your loans.
The higher your credit score, the lower the interest rate you will likely be asked to pay.
Therefore, if you have multiple loans that are unpaid; if your credit cards have been maxed out and several of your bills remain unpaid, you earn a low credit score. While it does not define the kind of person that you are, your score can indicate an unhealthy financial habit, which can make you appear "too risky" and turn away lenders.
A lot of lenders do not offer car refinance loans to applicants who have a low credit score because they do not want to encounter problems when collecting payments. Some lenders accept borrowers with low scores, but they often charge higher interest rates for the loans they make. This is because they want to lessen the risks that your low credit score represents.
But AllCreditCarLoans is different. We work with leading car refinance lenders to help you find the best refinance loan terms for your credit situation. Fill out our quick and easy one-page application to let us get you financed today.
Soft vs. Hard Credit Pull
Your auto lender may do a "soft" credit pull in order to pre-qualify you for a car loan. A "soft" credit pull doesn’t subtract from your credit score the same way a "hard" pull does, but it also doesn’t guarantee you’ll be approved for a loan or that you'll get the exact rate you’ve been quoted. A "hard" credit pull will be required before the loan terms are finalized.
If you are applying with multiple lenders in order to shop the best interest rates, it makes sense to complete all your loan applications within a short time-frame. The credit reporting agencies tend to count multiple hard inquiries made within a short period as only one inquiry.
It's a good idea to know your credit score before you apply for your loan. If you are unsure what your credit score is, you can always use this service to find your credit score.
If your credit score could use improvement, you can work with a credit repair vendor to improve your credit score.
How To Refinance Your Auto Loan
Refinancing your current car loan has never been easier. Our vast network of lender partners and streamlined process makes getting a car refinance loan quick and easy.
1 - Gather your documents
You will need information on your current loan, to include interest rate, monthly payment, remaining balance and the amount of time left to repay the loan. You'll also need your driver's license, SSN, vehicle identification number and paystubs.
2 - Determine your credit history
If you have paid all your car loan payments and other debts on time for the last year, your credit has probably improved so there is a good chance that you can benefit from refinancing your auto loan.
You can pull your own credit report and look to see if you have any problems such as late payment that might affect your ability to get approved for a car refinance loan.
3 - Apply by clicking the button below and wait to receive your loan offer
4 - Run the numbers to see if refinancing makes sense
Use our auto refinance calculator to see if it makes sense to refinance your vehicle. You can enter the original loan amount, current balance, current and new interest rates, and current and new loan terms to see if you will save money.
5 - Complete the loan process
If you decide to refinance, complete the application process with our lending partner and start saving money.
Shopping For The Best Refinance Auto Loan Rates In North Carolina?
Whether you have good, fair or bad credit, you'll want to get the lowest refinance car rates possible. With a lower interest rate, you'll save money and pay off your auto loan faster.
Once you apply with us and get your loan approval, you'll want to use our refinance vehicle loan calculator to determine how much money you will save by completing the loan application process.
Average Auto Refinance Interest Rates You Can Expect
|Credit Score Range||Average APR for a Refi|
|781 - 850||4.34%|
|661 - 780||5.97%|
|601 - 660||10.34%|
|501 - 600||16.14%|
|300 - 500||19.98%|
How Does Getting Preapproved For Refinance Car Loan Work?
Shopping for a better auto loan and refinancing your current car loan will likely save you money. Refinancing your auto loan makes sense if your credit has recently improved and there is a good chance you can lower your interest rate and monthly payment.
Applying to refinance and getting a loan decision often takes just a few minutes.
How To Get Pre-Qualified For Refinancing Your Auto Loan
When you’re applying with us, the application process is simple and quick. You should have the following information on-hand:
- Driver’s license and Social Security number
- Proof of income
- The vehicle identification number
- Your current monthly payment
- Your remaining balance
- Your current interest rate
- The amount of time left to repay your current loan
This information helps our lending partners to get a clear picture of your financial status, making it easier to secure the best auto loan refinance rates for your credit situation.
North Carolina (/ˌkærəˈlaɪnə/ (listen)) is a U.S. state located in the southeastern region of the United States. North Carolina is the 28th largest and 9th-most populous of the 50 United States. It is bordered by Virginia to the north, the Atlantic Ocean to the east, Georgia and South Carolina to the south, and Tennessee to the west. Raleigh is the state’s capital and Charlotte is its largest city. The Charlotte metropolitan area, with an estimated population of 2,569,213 in 2018, is the most populous metropolitan area in North Carolina, the 23rd-most populous in the United States, and the largest banking center in the nation after New York City. The Raleigh metropolitan area is the second-largest metropolitan area in the state, with an estimated population of 1,362,540 in 2018, and is home to the largest research park in the United States, Research Triangle Park.
North Carolina is bordered by South Carolina on the south, Georgia on the southwest, Tennessee on the west, Virginia on the north, and the Atlantic Ocean on the east. The United States Census Bureau places North Carolina in the South Atlantic division of the southern region.
North Carolina consists of three main geographic regions: the Atlantic coastal plain, occupying the eastern portion of the state; the central Piedmont region, and the Mountain region in the west, which is part of the Appalachian Mountains. The coastal plain consists of more specifically-defined areas known as the Outer Banks, a string of sandy, narrow barrier islands separated from the mainland by sounds or inlets, including Albemarle Sound and Pamlico Sound, the tidewater region, the native home of the venus flytrap, and the inner coastal plain, where longleaf pine trees are native.
So many ships have been lost off Cape Hatteras that the area is known as the “Graveyard of the Atlantic”; more than 1,000 ships have sunk in these waters since records began in 1526. The most famous of these is the Queen Anne’s Revenge (flagship of the pirate Blackbeard), which went aground in Beaufort Inlet in 1718.
The coastal plain transitions to the Piedmont region along the Atlantic Seaboard fall line, the elevation at which waterfalls first appear on streams and rivers. The Piedmont region of central North Carolina is the state’s most populous region, containing the six largest cities in the state by population. It consists of gently rolling countryside frequently broken by hills or low mountain ridges. Small, isolated, and deeply eroded mountain ranges and peaks are located in the Piedmont, including the Sauratown Mountains, Pilot Mountain, the Uwharrie Mountains, Crowder’s Mountain, King’s Pinnacle, the Brushy Mountains, and the South Mountains. The Piedmont ranges from about 300 feet (91 m) in elevation in the east to about 1,500 feet (460 m) in the west.
The western section of the state is part of the Appalachian Mountain range. Among the subranges of the Appalachians located in the state are the Great Smoky Mountains, Blue Ridge Mountains, and Black Mountains. The Black Mountains are the highest in the eastern United States, and culminate in Mount Mitchell at 6,684 feet (2,037 m), the highest point east of the Mississippi River.
North Carolina has 17 major river basins. The five basins west of the Blue Ridge Mountains flow to the Gulf of Mexico, while the remainder flow to the Atlantic Ocean. Of the 17 basins, 11 originate within the state of North Carolina, but only four are contained entirely within the state’s border – the Cape Fear, the Neuse, the White Oak, and the Tar–Pamlico basin.
The United States Census Bureau estimates that the population of North Carolina was 10,383,620 on July 1, 2018, an 8.89% increase since the 2010 Census. Of the people residing in North Carolina, 58.5% were born in North Carolina, 33.1% were born in another US state, 1.0% were born in Puerto Rico, U.S. Island areas, or born abroad to American parent(s), and 7.4% were born in another country.
Demographics of North Carolina covers the varieties of ethnic groups that reside in North Carolina, along with the relevant trends.
The state’s racial composition in the 2010 Census:
As of 2010, 89.66% (7,750,904) of North Carolina residents age 5 and older spoke English at home as a primary language, while 6.93% (598,756) spoke Spanish, 0.32% (27,310) French, 0.27% (23,204) German, and Chinese (which includes Mandarin) was spoken as a main language by 0.27% (23,072) of the population over the age of five. In total, 10.34% (893,735) of North Carolina’s population age 5 and older spoke a mother language other than English. North Carolina is also home to a spectrum of different dialects of Southern American English and Appalachian English.
North Carolina residents, like those of other Southern states, since the colonial era have historically been overwhelmingly Protestant, first Anglican, then Baptist and Methodist. Before the Civil War, the Baptists split into regional associations of the North and South, over the issue of slavery.
By the late 19th century, the largest Protestant denomination in North Carolina was the Baptist, when both whites and blacks were considered, but the latter people had set up their own organizations. After emancipation, black Baptists quickly set up their own independent congregations in North Carolina and other states of the South, as they wanted to be free of white supervision. Black Baptists developed their own state and national associations, such as the National Baptist Convention USA, Inc..
While the Baptists in total (counting both blacks and whites) have maintained the majority in this part of the country (known as the Bible Belt), a wide variety of faiths are practiced by other residents in the state, including Judaism, Islam, Baha’i, Buddhism, and Hinduism. As of 2010 the Southern Baptist Convention was the biggest denomination, with 4,241 churches and 1,513,000 members; the second largest was the United Methodist Church, with 660,000 members and 1,923 churches. The third was the Roman Catholic Church, with 428,000 members in 190 congregations. The fourth greatest was the Presbyterian Church (USA), with 186,000 members and 710 congregations; this denomination was brought by Scots-Irish immigrants who settled the backcountry in the colonial era.
The state also has a special history with the Moravian Church, as settlers of this faith (largely of German origin) settled in the Winston-Salem area in the 18th and 19th centuries. Presbyterians, historically Scots-Irish, have had a strong presence in Charlotte and in Scotland County.
Currently, the rapid influx of northerners and immigrants from Latin America is steadily increasing ethnic and religious diversity: the number of Roman Catholics and Jews in the state has increased, as well as general religious diversity. The second-largest Protestant denomination in North Carolina after Baptist traditions is Methodism, which is strong in the northern Piedmont, especially in populous Guilford County. There are also a substantial number of Quakers in Guilford County and northeastern North Carolina. Many universities and colleges in the state have been founded on religious traditions, and some currently maintain that affiliation, including:
The state also has several major seminaries, including the Southeastern Baptist Theological Seminary in Wake Forest, and the Hood Theological Seminary (AME Zion) in Salisbury.
In 2016, the US Census Bureau released 2015 population estimate counts for North Carolina’s counties. Mecklenburg County has the largest population, while Wake County has the second largest population in North Carolina.
In 2017, the US Census Bureau released 2016 population estimate counts for North Carolina’s cities with populations above 70,000. Charlotte has the largest population, while Raleigh has the highest population density of North Carolina’s largest cities.
North Carolina has three major Combined Statistical Areas with populations of more than 1.6 million (U.S. Census Bureau 2017 estimates):
Zip Code Map
North Carolina neighborhoods include: Aberdeen, Advance, Ahoskie, Albemarle, Albertson, Alexander, Alexis, Almond, Andrews, Angier, Apex, Arapahoe, Ararat, Archdale, Arden, Ash, Asheboro, Asheville, Atkinson, Atlantic, Atlantic Beach, Aulander, Aurora, Autryville, Ayden, Aydlett, Bahama, Bailey, Bald Head Island, Balsam Grove, Banner Elk, Barco, Barnardsville, Bath, Battleboro, Bayboro, Bear Creek, Beaufort, Beech Mountain, Belews Creek, Belhaven, Belmont, Belvidere, Belville, Bennett, Benson, Bessemer City, Bethel, Beulaville, Biltmore Lake, Biscoe, Black Mountain, Bladenboro, Blounts Creek, Blowing Rock, Bolivia, Bolton, Boomer, Boone, Boonville, Bostic, Brasstown, Brevard, Broadway, Browns Summit, Bryson City, Bullock, Bunn, Bunnlevel, Burgaw, Burlington, Burnsville, Butner, Calabash, Camden, Cameron, Candler, Candor, Canton, Cape Carteret, Carolina Beach, Carolina Shores, Carrboro, Carthage, Cary, Casar, Cashiers, Castalia, Castle Hayne, Catawba, Cedar Grove, Cedar Island, Cedar Mountain, Cedar Point, Cerro Gordo, Chadbourn, Chapel Hill, Charlotte, Cherokee, Cherryville, China Grove, Chinquapin, Chocowinity, Claremont, Clarendon, Clarkton, Clayton, Clemmons, Cleveland, Climax, Clinton, Clyde, Coats, Cofield, Coinjock, Colerain, Coleridge, Colfax, Collettsville, Columbia, Columbus, Como, Concord, Connellys Springs, Conover, Conway, Corapeake, Cornelius, Corolla, Council, Cove City, Cramerton, Creedmoor, Creston, Creswell, Crouse, Crumpler, Cullowhee, Currie, Currituck, Dallas, Danbury, Davidson, Deep Gap, Deep Run, Delco, Denton, Denver, Dobson, Dover, Dudley, Dunn, Durham, Eagle Springs, East Bend, East Flat Rock, Eastover, Eden, Edenton, Edward, Efland, Elizabeth City, Elizabethtown, Elkin, Elk Park, Ellenboro, Ellerbe, Elm City, Elon, Emerald Isle, Enfield, Ennice, Ernul, Erwin, Etowah, Eure, Evergreen, Fair Bluff, Fairfield, Fairmont, Fairview, Faison, Farmville, Fayetteville, Ferguson, Flat Rock, Fleetwood, Fletcher, Fontana Dam, Forest City, Fort Bragg, Fountain, Four Oaks, Franklin, Franklinton, Franklinville, Fremont, Fuquay Varina, Garland, Garner, Garysburg, Gaston, Gastonia, Gates, Gatesville, Germanton, Gerton, Gibson, Gibsonville, Glade Valley, Glendon, Gloucester, Godwin, Gold Hill, Goldsboro, Goldston, Graham, Grandy, Granite Falls, Granite Quarry, Grantsboro, Grassy Creek, Greensboro, Greenville, Grifton, Grimesland, Grover, Halifax, Hallsboro, Hamilton, Hamlet, Hampstead, Hamptonville, Harbinger, Harkers Island, Harmony, Harrells, Harrellsville, Harrisburg, Havelock, Haw River, Hayesville, Hays, Henderson, Hendersonville, Henrico, Hertford, Hickory, Hiddenite, Highlands, High Point, Hildebran, Hillsborough, Hobbsville, Hobgood, Hobucken, Hoffman, Hollister, Holly Ridge, Holly Springs, Hookerton, Hope Mills, Horse Shoe, Hot Springs, Hubert, Hudson, Huntersville, Hurdle Mills, Indian Trail, Iron Station, Ivanhoe, Jackson, Jackson Springs, Jacksonville, Jamestown, Jamesville, Jarvisburg, Jefferson, Jonesville, Julian, Kannapolis, Kelford, Kelly, Kenansville, Kenly, Kernersville, Kill Devil Hills, King, Kings Mountain, Kingstown, Kinston, Kittrell, Kitty Hawk, Knightdale, Knotts Island, Kure Beach, La Grange, Lake Junaluska, Lake Lure, Lake Santeetlah, Lake Toxaway, Lake Waccamaw, Landis, Lansing, Lasker, Laurel Hill, Laurel Springs, Laurinburg, Lawndale, Lawsonville, Leicester, Leland, Lenoir, Lewiston Woodville, Lewisville, Lexington, Liberty, Lilesville, Lillington, Lincolnton, Linden, Linwood, Littleton, Locust, Longwood, Louisburg, Lowell, Lowgap, Lowland, Lucama, Lumber Bridge, Lumberton, Macclesfield, Macon, Madison, Maggie Valley, Magnolia, Maiden, Manns Harbor, Manson, Manteo, Maple, Maple Hill, Marble, Margarettsville, Marion, Marshall, Marshallberg, Mars Hill, Marshville, Marston, Matthews, Maxton, Mayodan, Maysville, Mc Farlan, Mc Grady, Mc Leansville, Mebane, Merritt, Merry Hill, Middlesex, Midland, Midway Park, Millers Creek, Mill Spring, Mills River, Milton, Mint Hill, Mocksville, Moncure, Monroe, Mooresboro, Mooresville, Moravian Falls, Morehead City, Morganton, Morrisville, Morven, Mount Airy, Mount Gilead, Mount Holly, Mount Olive, Mount Pleasant, Mount Ulla, Moyock, Murfreesboro, Murphy, Nags Head, Nakina, Nashville, Navassa, Nebo, New Bern, New Hill, Newland, New London, Newport, Newton, Newton Grove, Norlina, North Wilkesboro, Norwood, N Topsail Beach, Oakboro, Oak City, Oak Island, Oak Ridge, Ocean Isle Beach, Old Fort, Olin, Oriental, Orrum, Otto, Oxford, Pantego, Parkton, Peachland, Pelham, Pembroke, Pendleton, Penrose, Pfafftown, Pikeville, Pilot Mountain, Pinebluff, Pine Hall, Pinehurst, Pinetops, Pinetown, Pineville, Piney Creek, Pink Hill, Pinnacle, Pisgah Forest, Pittsboro, Pleasant Garden, Pleasant Hill, Plymouth, Point Harbor, Polkton, Pollocksville, Poplar Branch, Powells Point, Princeton, Princeville, Purlear, Raeford, Raleigh, Ramseur, Randleman, Red Springs, Reidsville, Richfield, Richlands, Rich Square, Riegelwood, Roanoke Rapids, Roaring Gap, Roaring River, Robbins, Robbinsville, Robersonville, Rockingham, Rockwell, Rocky Mount, Rocky Point, Rolesville, Ronda, Roper, Roseboro, Rose Hill, Rosman, Rougemont, Rowland, Roxboro, Roxobel, Ruffin, Rural Hall, Rutherfordton, Saint Pauls, Salemburg, Salisbury, Saluda, Sandy Ridge, Sanford, Sapphire, Scaly Mountain, Scotland Neck, Scottville, Scranton, Seaboard, Seagrove, Sealevel, Selma, Seven Devils, Seven Springs, Shallotte, Shannon, Shawboro, Shelby, Sherrills Ford, Shiloh, Siler City, Siloam, Sims, Smithfield, Smyrna, Sneads Ferry, Snow Camp, Snow Hill, Sophia, Southern Pines, South Mills, Southport, Sparta, Spencer, Spindale, Spring Hope, Spring Lake, Stacy, Staley, Stanfield, Stanley, Stantonsburg, Star, State Road, Statesville, Stedman, Stella, Stem, Stokes, Stokesdale, Stoneville, Stony Point, Stumpy Point, Sugar Grove, Sugar Mountain, Summerfield, Sunbury, Sunset Beach, Supply, Surf City, Swannanoa, Swansboro, Sylva, Tabor City, Tarboro, Tar Heel, Taylorsville, Teachey, Terrell, Thomasville, Thurmond, Timberlake, Tobaccoville, Todd, Topton, Traphill, Trenton, Trent Woods, Trinity, Troutman, Troy, Tryon, Turkey, Tyner, Union Grove, Union Mills, Valdese, Vale, Vanceboro, Vandemere, Vass, Vilas, Wade, Wadesboro, Wagram, Wake Forest, Walkertown, Wallace, Walnut Cove, Walstonburg, Wanchese, Warne, Warrensville, Warrenton, Warsaw, Washington, Watha, Waxhaw, Waynesville, Weaverville, Weldon, Wendell, West End, Westfield, West Jefferson, Whispering Pines, Whitakers, White Oak, Whiteville, Whitsett, Whittier, Wilkesboro, Willard, Williamston, Willow Spring, Wilmington, Wilson, Windsor, Wingate, Winnabow, Winston Salem, Winterville, Winton, Woodland, Woodleaf, Wrightsville Beach, Yadkinville, Youngsville, Zebulon, Zionville, Zirconia
For more information, see North Carolina wiki