Insurance License Hub

The North Carolina Credit Agent license

Credit Agent

Sells the cover a lender writes to protect its own loan. It is the only North Carolina license that needs neither an examination nor a fingerprint background check.

Course

None

This license has no pre-licensing course route.

Ways in

1

There is no state exam for this license.

Exam

n/a

Not required on any of the routes below.

Every way to qualify

  1. Route 1 Apply through NIPR and be appointed

    No state exam for this license

    • Selling credit insurance for a lender to satisfy loans it is making, with a company appointment required before the license may be used

    No pre-licensing course. S.L. 2025-45, s. 1(a) rewrote G.S. 58-33-30(d) with effect from 2025-10-01 so that the Commissioner may not require any hours of pre-licensing education of anybody. The requirements chart answers "No" in the examination column and "Not required" in the fingerprints column, which no other North Carolina license does, and the only other thing it asks is that the applicant be at least eighteen. The crosswalk chart lists what the license covers: credit life, credit health, credit VSI, GAP coverage and credit unemployment, all of it "coverage sold by lenders to satisfy loans they are making".

    Read at the Department on 2026-08-18

No national seller sells a course for this license. There is no examination and no fingerprint check, so there is nothing for a seller to prepare anybody for.