Loans in Buncombe County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Buncombe County, NC.
The median household in Buncombe County earns $74,436 a year, about the same as the North Carolina median of $72,388. About 12% of residents live below the federal poverty line, and 33.8% of households rent their home.
What you need for a personal loan in Buncombe County
Lenders that serve Buncombe County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Buncombe County
What Buncombe County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Buncombe County
Payday Loans Not available
Payday lending is not legal in North Carolina.
Personal Loans
Tiered caps: 33% on first $4,000, 24% to $8,000, 18% above.
Title Loans Not available
North Carolina has no title-loan law.
Banks and credit unions in Buncombe County
Banks with branches in Buncombe County
70 FDIC-insured bank branches from 23 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First-Citizens Bank & Trust Company | 11 | 108 Patton Ave, Asheville 28801 |
| Wells Fargo Bank, National Association | 9 | 912 Tunnel Rd, Asheville 28805 |
| First Bank | 8 | 162 College St, Asheville 28801 |
| Truist Bank | 6 | 160 Weaver Blvd, Weaverville 28787 |
| HomeTrust Bank | 4 | 10 Woodfin St, Asheville 28801 |
| Bank of America, National Association | 4 | 975 Patton Ave, Asheville 28806 |
| PNC Bank, National Association | 3 | 8 Ohenry Ave, Asheville 28801 |
| Fifth Third Bank, National Association | 3 | 128 Montreat Rd, Black Mountain 28711 |
| First Horizon Bank | 3 | 918 Merrimon Ave, Asheville 28804 |
| TD Bank, National Association | 3 | 200 College St, Asheville 28801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Buncombe County
27 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| State Employees' | 40 Airport Rd, Arden 28704 |
| Civic | 275 Smokey Park Hwy, Asheville 28806 |
| United | 1441 Patton Ave, Asheville 28806 |
| Skyla | 148 Charlotte St, Asheville 28801 |
| Self-Help | 1911 Hendersonville Rd, Asheville 28803 |
| Champion | 2311 Hendersonville Rd, Arden 28704 |
| Telco Community Credit Union | 1137 Smokey Park Hwy, Candler 28715 |
| Mountain | 1453 Sand Hill Rd, Candler 28715 |
| Wnc Community Cu | 1100 Tunnel Rd, Asheville 28805 |
| Oteen V. A. | 1100 Tunnel Rd Unit 24, Asheville 28805 |
| Arcade | 151 Patton Ave Ste 280, Asheville 28801 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Buncombe County
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Buncombe County?
Buncombe County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Buncombe County?
North Carolina has no title-loan law.
Where can I get a small loan in Buncombe County?
Options include 70 bank and 27 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Buncombe County?
Fill out our short online form from anywhere in Buncombe County. We share it with lenders in our network that serve North Carolina; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Buncombe County, NC?
You can apply at banks, credit unions and lenders in Buncombe County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve North Carolina residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Buncombe County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Buncombe County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Buncombe County with bad credit?
Yes, many lenders in our network work with Buncombe County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get an emergency loan in Buncombe County?
Yes. When an unexpected bill comes up, Buncombe County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.