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North Carolina Promissory Note
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North Carolina at a glance: Usury Limit: 8% per year (standard) · Governing Law: N.C. Gen. Stat. § 24-1.1
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Overview
Promissory Notes in North Carolina
North Carolina limits interest rates to 8% per year, or a floating ceiling based on treasury bills for loans under $25,000.
Key Facts
North Carolina Promissory Note — Quick Reference
| Requirement | North Carolina Rule |
|---|---|
| Usury Limit | 8% per year (standard) |
| Governing Law | N.C. Gen. Stat. § 24-1.1 |
Legal Requirements
North Carolina Legal Requirements
- Standard consumer loans must stay under the 8% annual limit.
Governing Laws
North Carolina Governing Laws
N.C. Gen. Stat. § 24-1.1
Contract Interest Rates
Limits standard written consumer loans to 8% interest.
Read the full text of these laws at Cornell Law School's North Carolina legal resources or your state legislature's official website.
Questions & Answers
North Carolina Promissory Note — Frequently Asked Questions
What is the maximum interest in North Carolina?
The maximum interest rate is 8% per year for standard consumer loans.