The station office

About us

Carolina Railroad Loans is an independent consumer guide to short-term and installment credit in North and South Carolina. We are not a lender, and we do not make lending decisions; we transcribe, compute, and compare.

Why two states

Because the state line is the story. The Carolinas run opposite policies on small-dollar credit — South Carolina licenses and caps the storefront advance; North Carolina closed that market and caps licensed small loans instead. Covering both properly means every page can say something a national site cannot: what the law at your address actually does, and what the same loan costs on either side of it.

How we work

• Lender facts are transcribed from each brand’s own published terms — tribes, amounts, cost language, exclusion lists — and re-verified on a rolling basis.
• State facts are sourced to statutes and regulators: the NC Commissioner of Banks, the SC State Board of Financial Institutions, and the federal agencies where they apply.
• Costs are computed, not asserted — every worked example shows the arithmetic so you can check it.
• Nothing is a loan offer, and no lender pays for a better word here.

How we are funded

This site is advertising-supported: when you submit a request through our application form, our matching partner may compensate us. That never changes a number, a ranking judgment, or a warning on this site — the pages that price the licensed market first would make no commercial sense otherwise. The full mechanics are in our advertising disclosure.

Contact

Corrections: Spotted an error? Lender terms change often — write us and we will re-verify the page. Write to [email protected]. Our editorial policies live on the editorial policy page, and the team is on the editorial team page.