North Carolina vs Charlotte Prediction 9/6/2025 Today’s College Football Picks

North Carolina and Charlotte meet Saturday in college football action from Jerry Richardson Stadium. Here’s a North Carolina vs Charlotte prediction. We will look at this from a betting perspective and determine the best Charlotte 49ers vs North Carolina Tar Heels pick. We will examine:

The North Carolina Tar Heels’ recent form and player performance

The Charlotte 49ers’ recent form and player performance

Recent betting trends and streaks involving the North Carolina Tar Heels

Recent betting trends and streaks involving the Charlotte 49ers

Recent betting trends in games played between North Carolina and Charlotte

A summary that ties it all together and produces a favorable betting outcome for the Tar Heels and 49ers game.

Trouble in Paradise for North Carolina

There is some trouble in paradise for North Carolina, even though it’s been only one game for Bill Belichick in charge. North Carolina faced off against TCU in the first game, and it got ugly, especially in the second half. UNC scored only 14 points, while the defense gave up 48 points. I’m not sure if it was Gio Lopez not being put in the right position to succeed, or if it’s just not that good, but either way he wasn’t good enough. He ended up completing 4 of his 10 passes for 69 yards, zero touchdowns, and one interception. 

Max Johnson ended up coming in after, and he completed 9 of his 11 passes for 103 yards, one touchdown, and zero interceptions. The defense was an even bigger issue, they couldn’t stop the run, and they couldn’t stop the pass. It’s a risk for North Carolina to go on the road, and if they lose this game, there are going to be some even bigger questions about this team. 

Why North Carolina Will Beat Charlotte

Charlotte has lost seven of its last eight September games as an underdog.
Charlotte has failed to cover the spread in each of its last five home games in September.

Bad Start for Charlotte

It was an awful start to the season for Charlotte, and there has to be some major concerns going into this game. At the end of the first quarter, they were up 3-0,but after that it all went downhill. The defense allowed AJ Swann to throw for 368 yards and three touchdowns. The running defense also couldn’t get off the field, and that included letting Dubinion to rush for 111 yards and a touchdown. 

Under center for Charlotte was Conner Harrell who completed 13 of his 24 passes for 142 yards, one touchdown, and one interception. The top receiver was Justin Olson and he caught two passes for 56 yards. In this game, if they want any chance to come away with a victory, it’s going to need to be the defense that makes life tough. Getting out to a fast start and getting the crowd behind them, would also go a long way. 

Why Charlotte Will Beat North Carolina

North Carolina has lost each of its last three games as a favorite against non-AP-ranked teams.
The underdog has won three of Charlotte’s last four games at Jerry Richardson Stadium.
North Carolina has failed to cover the spread in each of its last eight games as a favorite in North Carolina.
The underdog has covered the spread in four of Charlotte’s last five games at Jerry Richardson Stadium.

North Carolina vs Charlotte Prediction

Is North Carolina that good? No, I don’t think so, but they are still a whole lot better than the 49ers. Charlotte’s defense is going to be a major issue all season, and in the first game of the season, they gave up 34 points. I would expect the Tar Heels to play the hot quarterback, and one of the guys is going to get hot in this game. I also have a feeling a lot of Tar Heels fans are going to be in Charlotte, and that will take away the home-field advantage for the 49ers. Charlotte’s offense just doesn’t have enough firepower to keep this game close. Back North Carolina against the spread.