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Frequently Asked Questions

How do I apply for a personal loan?

Simply call the nearest local branch office, or stop on in.  We will process an application and be able to have an answer for you the same day – often times in an hour or less.  You can also complete the short "Apply Now" link on this website and a local representative will contact you shortly.

How do I apply for a loan to finance my automobile purchase?

We work with most dealers in our local market.  Give your local branch a call and they can provide you with a list of dealers with which we work the most, or simply ask whichever dealership you are currently working with to send us your application.  You can also complete the short "Apply Now" link on this website and a local representative will contact you shortly.  We will take it from there!

Does it matter that I don't have perfect credit?

Absolutely not.  Metrolina Credit Company understands that 'life happens" so we look beyond the credit score.  We take into account all sorts of things in addition to your credit like your job time, your income, your residence time and many other factors to put together the best options for your particular situation.  We will exhaust every avenue looking for ways to say "YES!"

How much can I borrow?

Our Personal Loans are from $500 to over $10,000 depending on credit, income, debt ratio and collateral.  Typically our Personal Loans are secured by collateral (such as a car, motorcycle, etc.) and the amount of the loan corresponds with the value of the collateral.  When financing the purchase of an automobile, we can finance as little as $2,000 and as much as $20,000.  It  depends on the value of the vehicle being purchased and your particulars in regards to income, debt, credit, etc.  In any case, the best bet is to give us a call and we will help find the best options for your situation.  

Does Metrolina Credit Company report to the credit bureau?

YES!  Each month we report your timely payments to EQUIFAX and TRANSUNION – two of the largest credit reporting agencies in the Country – so you can get the credit you deserve.  This makes Metrolina Credit Company an excellent choice to help re-establish or establish a positive credit rating.


How do I make my payment?

Making your payment to Metrolina Credit Company is easy!  You can always pay in person at your local branch with cash, check, money order or debit card.  You can also mail your payment to your local branch by sending a check or money order to the branch (please include your payment coupon, or at least your name and account number).  For your convenience you can also pay over the phone or on-line with your Debit Card through our online payment portal (there is a nominal $7.50 service fee for this option).

How do I update my insurance information to avoid forced place insurance?

Please contact your local branch.

What if I am going to be late on my payment?

Although making your payment on time every month is the best way to re-establish or establish your credit, and is also the best way to minimize the interest you pay on your loan, we understand that life happens.  If you know you are going to be late, all you need to do is give your local branch a call and notify us of your situation.  We will work with you and help set up agreeable arrangements.  Communication is key, and we can always work customers who are willing to work with us and who keep the lines of communication open.

What if I have a complaint or a problem (about my account, about a Metrolina employee, about anything pertaining to my account or service, etc.)?

We encourage you to contact your local office and ask to speak with the Branch Manager.  Most of the time, the Branch Manager can address your concerns and resolve any issues there might be.  However, if you do not feel comfortable doing this, or if you have done this and your situation has still not been resolved to your satisfaction, you can contact our Customer Service Department by emailing us at:


We will respond to your email as quickly as possible – usually by the end of the next business day at the latest.  Your satisfaction is important to us, so please do not hesitate to let us know if there is an issue.

Do I need to maintain Full Coverage Insurance on my vehicle?

Yes.  Metrolina Credit Company does require you maintain full coverage (comprehensive and collision) insurance on your vehicle while your account is open with us.  Simply have your insurance agent or company list Metrolina as the loss payee.

I am a dealer and want to use Metrolina Credit Company to help my customers secure financing. How do I get set up?

Simply give your local branch a call, or email us at info@metrolinacredit.com and a representative will help you out from there.  We can work with virtually any licensed Automobile Dealership in our local market regardless of size, franchise or independent status, or time in business.  We will help tailor programs that work for you and your customers, as we truly are YOUR local lending partner.