Carolina Personal Loans is a comparison and matching service, not a lender. We cannot promise any offer, rate or approval, and we never charge borrowers a fee. Guides and calculators are general education, and a lender's own Truth in Lending disclosure is the final word on cost. Matching is limited to NC and SC residents.
Effective October 28, 2026. By using Carolina Personal Loans you agree to these terms.
What we are
Carolina Personal Loans is a comparison and matching service run by 1st Advantage Mortgage Broker LLC (d/b/a 1st Advantage Mortgage). We are not a lender, we do not make credit decisions, and we cannot promise any offer, rate, amount or approval. Only a lender can approve a loan.
No fees to you
We do not charge borrowers for matching, and we will never ask you to pay a fee before you receive a loan. Lenders may charge fees such as an origination fee; they must disclose them to you before you commit.
Information we provide
Guides, calculators and examples are general education, not financial, legal or tax advice. Calculator results are estimates based on numbers you enter. Check the lender's Truth in Lending disclosure for the real APR, payment and total cost.
Your information
You agree that what you submit is accurate and that you are at least 18. We may share it as described in our Privacy Policy. Submitting a request does not obligate you to accept any offer.
Availability
Matching is currently offered only to residents of NC and SC. We may change, pause or end the service at any time.
Limits
To the extent the law allows, we are not responsible for lender decisions or for losses from decisions you make using this site. Nothing here limits rights you have under consumer protection law.
Contact
1st Advantage Mortgage Broker LLC, 128 S Tryon St Suite 1933, Charlotte, NC 28202, sales@firstadvantagemortgage.com, 704-343-8681.
Additional terms
Educational purpose. The guides, calculators and checklists are general information. They are not legal, financial or tax advice, and they do not account for your full circumstances. Consult a qualified professional for advice about your situation.
Calculators. Results are estimates based on the numbers you enter. Lenders compute interest and fees by their own methods. Rely on your written loan disclosure for final figures.
Third-party sites. We link to government agencies, regulators and nonprofit organizations. We do not control those sites and are not responsible for their content or availability.
Acceptable use. Do not submit false information, submit a request for someone else without permission, use automated tools to submit requests or attempt to interfere with the site's security. We may block requests that appear fraudulent.
Accuracy. We work to keep information current, but laws, lender practices and public data change. A page's update date shows when it was last reviewed.
No endorsement. Mention of a program, product or agency is not an endorsement. We may be compensated by lending partners; see our disclosures.
Changes to these terms. We may update these terms; the effective date at the top shows the latest version. Continued use after a change means you accept it.
Questions. Contact us using the details on the contact page.
Plain-language summary of the terms
This is a free information service. We write guides and run a fit check. We are not a lender. We do not charge you, we do not promise you an offer and what we publish is not advice. You agree to give us honest information, to use the site lawfully and to understand that lenders make their own decisions.
Your responsibilities
You are responsible for the accuracy of what you submit, for reviewing any lender's disclosures before you agree to a loan and for deciding whether a loan is right for you. If you give us someone else's information, you must have their permission.
Our responsibilities
We aim to keep information accurate and to protect what you give us as described in our privacy policy. We will not ask you for money for any service on this site.
Disputes and how to raise them
If you have a concern, contact us first through the contact page so that we can try to resolve it. For a complaint about a lender or a scam, use the regulators listed there.
Governing law
These terms are governed by the laws of North Carolina, without regard to conflict of law rules, except where your own state's consumer protection law gives you rights that cannot be waived.
About your submissions
When you submit the form you give us permission to use the information to check fit, to store the request and, once matching is live, to share a qualifying request with lending partners as described in our privacy policy. You may ask us to delete it. You keep ownership of your information.
About our content
The text, structure and original data presentation on this site belong to its publisher. Public data from the Census Bureau, the Bureau of Labor Statistics and other agencies remains in the public domain. You may link to any page.
If something goes wrong
We provide the site as is, without promises that it will always be available or error free. To the extent the law allows, we are not responsible for losses that result from relying on general information or from a lender's decision. Nothing in these terms limits rights you have under consumer protection laws that cannot be waived.
Links and trademarks
Names of lenders, agencies and products mentioned on this site belong to their owners. Mentioning a name does not imply that the owner endorses us or that we endorse them.
Frequently asked questions
Do these terms apply to lenders' websites?
No. A lender's site has its own terms. Read them before you apply.
Can I use the content on my own site?
Please do not copy our guides. You may quote short passages with a link back to the page.