Best Personal Loan Rates in North Carolina (NC) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to North Carolina borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in North Carolina include: Baxter Credit UnionBaxter Credit Union67 Pitts Station Rd, Marion, NC, 28752 7925A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Self-Help Credit UnionSelf-Help Credit Union301 W Main St, Durham, NC, 27701A5.0 ★Texas Ratio: 7.18% offering Energy Saver Loans at 5.50% APR, Allegacy Federal Credit UnionAllegacy Federal Credit Union1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993A5.0 ★Texas Ratio: 6.91% offering Share Loan at 5.75% APR, Pentagon Federal Credit UnionPentagon Federal Credit Union803 Stiner Road, Fort Bragg, NC, 28307A5.0 ★Texas Ratio: 10.64% offering VA Loan at 5.91% APR, and RTP Federal Credit UnionRTP Federal Credit Union915 N Harrison Ave, Cary, NC, 27513 3904A5.0 ★Texas Ratio: 6.12% offering Technology Loans at 5.99% APR. Personal loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across North Carolina side-by-side. North Carolina personal loan rates currently start as low as 4.50% APR from Baxter Credit Union at 67 Pitts Station Rd, Marion, NC, 28752 7925. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in North Carolina. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 5, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedApril 6, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 6, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Energy Saver Loans
5.50%
▼
APR5.50%
Last UpdatedApril 6, 2026
Details
up to 180 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Solar Loans
5.50%
▼
APR5.50%
Last UpdatedApril 6, 2026
Details
up to 240 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Share Loan
5.75%
▼
APR5.75%
Last UpdatedApril 6, 2026
Details
Payroll Deduction or Automatic Draft APR
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC, 28307
VA Loan
5.91%
▼
APR5.91%
Last UpdatedApril 6, 2026
Details
No additional details available.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Technology Loans
5.99%
▼
APR5.99%
Last UpdatedApril 6, 2026
Details
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Computer Loan
6.00%
▼
APR6.00%
Last UpdatedApril 6, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC, 28307
VA Refi Loan
6.20%
▼
APR6.20%
Last UpdatedApril 6, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Share Loan
6.25%
▼
APR6.25%
Last UpdatedApril 6, 2026
Details
Non-Payroll Deduction APR
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Computer Loan
6.50%
▼
APR6.50%
Last UpdatedApril 6, 2026
Details
As Low As; Non-Payroll Deduction
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC, 28307
FHA Loan
6.51%
▼
APR6.51%
Last UpdatedApril 6, 2026
Details
As Low As; Rates as low as 5.625% (6.508% APR)
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedApril 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Loan Promotion /
6.90%
▼
APR6.90%
Last UpdatedApril 6, 2026
Details
$3000; Score: A+ = 750+
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Energy Efficient Loan
6.90%
▼
APR6.90%
Last UpdatedApril 6, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 6, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedApril 6, 2026
Details
Up to 60 months
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan
7.00%
▼
APR7.00%
Last UpdatedApril 6, 2026
Details
All rates are based on a term of 84 months
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1823 Banking St, Greensboro, NC, 27408
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedApril 6, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 6, 2026
Details
As Low As
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC, 27886
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Other Collateralized Loans Less than
7.75%
▼
APR7.75%
Last UpdatedApril 6, 2026
Details
$14,999
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Loan Promotion /
7.90%
▼
APR7.90%
Last UpdatedApril 6, 2026
Details
$3000; Score: B = 640-679
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 6, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 6, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Convenience Loan
7.99%
▼
APR7.99%
Last UpdatedApril 6, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Debt180 Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 6, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC, 28443
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 6, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
Unsecured
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
As Low As
Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Land or Lot Loan
8.24%
▼
APR8.24%
Last UpdatedApril 6, 2026
Details
$5,000 - $200,000. 10-acre maximum.
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedApril 6, 2026
Details
$20,000; As Low As
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
Equipment Loans
8.25%
▼
APR8.25%
Last UpdatedApril 6, 2026
Details
As Low As; Up to 48 Months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
8.25%
▼
APR8.25%
Last UpdatedApril 6, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
8.50%
▼
APR8.50%
Last UpdatedApril 6, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan
8.50%
▼
APR8.50%
Last UpdatedApril 6, 2026
Details
All rates are based on a term of 84 months
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
2401 E Ash St, Goldsboro, NC, 27534 7513
Recreational Loan
8.50%
▼
APR8.50%
Last UpdatedApril 6, 2026
Details
As Low As; MODEL YEAR: 2019-2025
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
882 16th St NE, Hickory, NC, 28601
Unsecured Lines of Credit
8.75%
▼
APR8.75%
Last UpdatedApril 6, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 6, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
Personal
9.00%
▼
APR9.00%
Last UpdatedApril 6, 2026
Details
As Low As; Up to 60 Months
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan
9.00%
▼
APR9.00%
Last UpdatedApril 6, 2026
Details
All rates are based on a term of 84 months
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Vacant Land Loans
9.00%
▼
APR9.00%
Last UpdatedApril 6, 2026
Details
Fixed 9.00% APR*
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Land Loans
9.00%
▼
APR9.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
9.25%
▼
APR9.25%
Last UpdatedApril 6, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Other Collateralized Loans
9.25%
▼
APR9.25%
Last UpdatedApril 6, 2026
Details
$15,000 -$25,000
Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Personal Loan
9.38%
▼
APR9.38%
Last UpdatedApril 6, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedApril 6, 2026
Details
As Low As; Non-Payroll Deduction
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedApril 6, 2026
Details
$20,000; As Low As
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 6, 2026
Details
As Low As
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Credit Builder Loan
9.50%
▼
APR9.50%
Last UpdatedApril 6, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 6, 2026
Details
$5,000+; As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan to Value 95%
9.75%
▼
APR9.75%
Last UpdatedApril 6, 2026
Details
All rates are based on a term of 84 months
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2120 NC HIGHWAY 71 N, MAXTON, NC, 28364 9433
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 6, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Lifestyle Loan
9.85%
▼
APR9.85%
Last UpdatedApril 6, 2026
Details
Payroll Deduction or Automatic Draft
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 6, 2026
Details
As Low As
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
▼
APR9.90%
Last UpdatedApril 6, 2026
Details
As Low As; Rates as low as 9.90%
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
$1499.00
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC, 27676 9803
Signature
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
Fixed Rates only. Terms available up to 60 months.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
10.00%
▼
APR10.00%
Last UpdatedApril 6, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1501 River Rd, Cofield, NC, 27922
Share Loan
10.00%
▼
APR10.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedApril 6, 2026
Details
$7,500+; As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 6, 2026
Details
Score: A+ = 750+
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 6, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
10.25%
▼
APR10.25%
Last UpdatedApril 6, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
$20,000 Maximum - Individual & Joint; 90 Day Maximum
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
Up to 48 Months
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
Score: A+ = 750+
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term 0 - 36 Months
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
Up to $5,000.00
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC, 28226 0426
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedApril 6, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 6, 2026
Details
$10,000+; As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
2401 E Ash St, Goldsboro, NC, 27534 7513
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
2401 E Ash St, Goldsboro, NC, 27534 7513
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
As Low As; Up to 36 months**
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC, 27603 1739
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan to Value 70%
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
All rates are based on a term of 84 months
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Loan Promotion /
10.90%
▼
APR10.90%
Last UpdatedApril 6, 2026
Details
$3000; Score: C = 600-639
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal
10.90%
▼
APR10.90%
Last UpdatedApril 6, 2026
Details
As Low As
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
850 Harrison Rd, Salisbury, NC, 28147 9021
Roaring Start Credit Builder Loan
10.99%
▼
APR10.99%
Last UpdatedApril 6, 2026
Details
Borrow: $500 to $1,200, with flexibility to increase if needed.
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
850 Harrison Rd, Salisbury, NC, 28147 9021
Roaring Start Loan
10.99%
▼
APR10.99%
Last UpdatedApril 6, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
Up to 60 Months
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
Score: A+ = 750+
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature Loans with Collateral
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
up to 48 months
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
4180 Western Blvd, Jacksonville, NC, 28546 6740
Personal
11.15%
▼
APR11.15%
Last UpdatedApril 6, 2026
Details
As Low As
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedApril 6, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Anything/Unsecured
11.24%
▼
APR11.24%
Last UpdatedApril 6, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
11.24%
▼
APR11.24%
Last UpdatedApril 6, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC, 27603 1739
Open-End Signature loan
11.25%
▼
APR11.25%
Last UpdatedApril 6, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
11.25%
▼
APR11.25%
Last UpdatedApril 6, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 6, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 6, 2026
Details
Up to 72 Months
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 6, 2026
Details
Score: A+ = 750+
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
11.50%
▼
APR11.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
11.50%
▼
APR11.50%
Last UpdatedApril 6, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedApril 6, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan to Value 85%
11.75%
▼
APR11.75%
Last UpdatedApril 6, 2026
Details
All rates are based on a term of 84 months
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
11.75%
▼
APR11.75%
Last UpdatedApril 6, 2026
Details
As Low As
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC, 27106
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 6, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Promotional Loan
12.00%
▼
APR12.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Seasonal Loans
12.00%
▼
APR12.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Disaster Loans
12.00%
▼
APR12.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 6, 2026
Details
Score: A = 680-749
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature- Unsecured
12.00%
▼
APR12.00%
Last UpdatedApril 6, 2026
Details
up to 48 months
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedApril 6, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedApril 6, 2026
Details
No additional details available.
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
711 E SALEM AVE, WINSTON SALEM, NC, 27101 5365
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedApril 6, 2026
Details
No additional details available.
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
850 Harrison Rd, Salisbury, NC, 28147 9021
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 6, 2026
Details
As Low As
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Recruit Loan
12.50%
▼
APR12.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Consumer Loan
12.50%
▼
APR12.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 6, 2026
Details
Score: B = 640-679
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term 37-60 Months
12.75%
▼
APR12.75%
Last UpdatedApril 6, 2026
Details
$5,000.01-$15,000.00
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 6, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 6, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 6, 2026
Details
Terms up to 60 months. Debt protection available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 6, 2026
Details
Score: B = 640-679
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Comaker Loan
13.00%
▼
APR13.00%
Last UpdatedApril 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 6, 2026
Details
Score: C = 600-639
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured Loan
13.50%
▼
APR13.50%
Last UpdatedApril 6, 2026
Details
Payroll Deduction or Automatic Draft APR
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 6, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 6, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 6, 2026
Details
Score: C = 600-639
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Bridge Loans
14.00%
▼
APR14.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Tax Relief Loans
14.00%
▼
APR14.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC, 28716
Fuel Loan
14.00%
▼
APR14.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured
14.25%
▼
APR14.25%
Last UpdatedApril 6, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Loan Promotion /
14.40%
▼
APR14.40%
Last UpdatedApril 6, 2026
Details
$3000; Score: D = 550-599
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 6, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
14.50%
▼
APR14.50%
Last UpdatedApril 6, 2026
Details
Score: C = 600-639
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
14.50%
▼
APR14.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured
14.75%
▼
APR14.75%
Last UpdatedApril 6, 2026
Details
As Low As; Non-Payroll Deduction
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Signature Premier Rewards
14.75%
▼
APR14.75%
Last UpdatedApril 6, 2026
Details
Regular APR: 14.75% - 18.00%
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Extra Personal Loan
14.99%
▼
APR14.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedApril 6, 2026
Details
As Low As
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loan
15.00%
▼
APR15.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
No Credit Check Loan*
15.00%
▼
APR15.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Quick Cash Loan
15.00%
▼
APR15.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 6, 2026
Details
As Low As
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1823 Banking St, Greensboro, NC, 27408
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedApril 6, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 6, 2026
Details
As Low As
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC, 28443
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 6, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 6, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 6, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
As Low As
Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedApril 6, 2026
Details
$20,000; As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Personal Loan
9.38%
▼
APR9.38%
Last UpdatedApril 6, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedApril 6, 2026
Details
$20,000; As Low As
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 6, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 6, 2026
Details
$5,000+; As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2120 NC HIGHWAY 71 N, MAXTON, NC, 28364 9433
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 6, 2026
Details
No additional details available.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
Fixed Rates only. Terms available up to 60 months.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
$1499.00
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedApril 6, 2026
Details
$7,500+; As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 6, 2026
Details
Score: A+ = 750+
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 6, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
Up to 48 Months
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 6, 2026
Details
$10,000+; As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
2401 E Ash St, Goldsboro, NC, 27534 7513
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
2401 E Ash St, Goldsboro, NC, 27534 7513
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
As Low As; Up to 36 months**
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
Up to 60 Months
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedApril 6, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 6, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 6, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 6, 2026
Details
Up to 72 Months
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 6, 2026
Details
Score: A = 680-749
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
850 Harrison Rd, Salisbury, NC, 28147 9021
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 6, 2026
Details
Score: B = 640-679
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 6, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 6, 2026
Details
Terms up to 60 months. Debt protection available.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 6, 2026
Details
Score: B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 6, 2026
Details
Score: C = 600-639
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 6, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 6, 2026
Details
Score: C = 600-639
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
14.50%
▼
APR14.50%
Last UpdatedApril 6, 2026
Details
Score: C = 600-639
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Extra Personal Loan
14.99%
▼
APR14.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedApril 6, 2026
Details
As Low As
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loan
15.00%
▼
APR15.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Debt180 Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 6, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 6, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 6, 2026
Details
As Low As
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedApril 6, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
15.99%
▼
APR15.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Debt Consolidation Loans
16.00%
▼
APR16.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Debt Consolidation
16.99%
▼
APR16.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedApril 6, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedApril 6, 2026
Details
Up to 60 months
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC, 27886
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
Unsecured
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 6, 2026
Details
As Low As
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
▼
APR9.90%
Last UpdatedApril 6, 2026
Details
As Low As; Rates as low as 9.90%
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC, 27676 9803
Signature
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC, 27603 1739
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature Loans with Collateral
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
up to 48 months
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC, 27603 1739
Open-End Signature loan
11.25%
▼
APR11.25%
Last UpdatedApril 6, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
11.50%
▼
APR11.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedApril 6, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature- Unsecured
12.00%
▼
APR12.00%
Last UpdatedApril 6, 2026
Details
up to 48 months
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC, 27106
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 6, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedApril 6, 2026
Details
No additional details available.
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
711 E SALEM AVE, WINSTON SALEM, NC, 27101 5365
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedApril 6, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
14.50%
▼
APR14.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Signature Premier Rewards
14.75%
▼
APR14.75%
Last UpdatedApril 6, 2026
Details
Regular APR: 14.75% - 18.00%
Powered by
MonitorBankRates
No home improvement personal loan rates found in North Carolina currently.
North Carolina Personal Loan Rate Trends
Compare local North Carolina personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — NC Avg
10.529%
▼ 1.859 vs 7 days ago
North Carolina personal loan rates fell 1.859 points over the past 7 days to 10.529% APR.
Signature Loan — NC Avg
12.901%
▼ 0.076 vs 7 days ago
North Carolina signature loan rates fell 0.076 points over the past 7 days to 12.901% APR.
As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in North Carolina?
Most lenders in North Carolina require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in North Carolina often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in North Carolina require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in North Carolina?
Yes. Debt consolidation is one of the most common uses of personal loans in North Carolina. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in North Carolina?
Credit unions in North Carolina often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in North Carolina?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Self-Help Credit Union: 5.50% (Energy Saver Loans)
- Allegacy Federal Credit Union: 5.75% (Share Loan)
- Pentagon Federal Credit Union: 5.91% (VA Loan)
- RTP Federal Credit Union: 5.99% (Technology Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 5, 2026.
