Best Personal Loan Rates in North Carolina - July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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: Blue Flame Credit Union Charlotte, NCBlue Flame Credit Union Charlotte, NC2000 Continental Blvd, Charlotte, NC, 28273A+5.0 ★Texas Ratio: 0.29% offering Disaster Recovery Loan at 3.99% APR, Weyco Community Credit UnionWeyco Community Credit Union316 NC Hwy 149 N, Plymouth, NC, 27962A5.0 ★Texas Ratio: 11.26% offering Used (Previously Titled) Loan at 4.75% APR, Piedmont Advantage Credit UnionPiedmont Advantage Credit Union4997 Home Rd, Winston Salem, NC, 27106A+5.0 ★Texas Ratio: 4.57% offering Liberty Loan at 4.75% APR, Shuford Federal Credit UnionShuford Federal Credit Union882 16th St NE, Hickory, NC, 28601A5.0 ★Texas Ratio: 10.69% offering New and Current Model Loan at 5.00% APR, and Self-Help Credit UnionSelf-Help Credit Union301 W Main St, Durham, NC, 27701A5.0 ★Texas Ratio: 6.49% offering Energy Saver Loans at 5.75% APR. Personal loan rates as of July 25, 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 3.99% APR from Blue Flame Credit Union Charlotte, NC at 2000 Continental Blvd, Charlotte, NC, 28273. 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: July 25, 2026
North Carolina Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Disaster Recovery Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
As Low As;*
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used (Previously Titled) Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 26, 2026
Details
Less than 140,000 miles
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC, 27106
Liberty Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 26, 2026
Details
As Low As; Liberty
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
New and Current Model Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used (Previously Titled) Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
Less than 100,000 miles
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
New and Current Model Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Holiday Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
As Low As;*
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vacation Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
As Low As;*
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Used Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
New and Current Model Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Energy Saver Loans
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used (Previously Titled) Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
Less than 75,000 miles
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Balance Transfer Loan
5.95%
▼
APR5.95%
Last UpdatedJuly 26, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
New Trucks & SUVs Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As Low As
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.48%
915 N Harrison Ave, Cary, NC, 27513 3904
Technology Loans
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC, 27701 3315
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Computer Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Rate subject to change annually on August 1st of each year. APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Used Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
FHA/VA Loan
6.18%
▼
APR6.18%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
USDA Loan
6.18%
▼
APR6.18%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
VA 30 Loan
6.42%
▼
APR6.42%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Used Trucks & SUVs Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Computer Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Rate subject to change annually on August 1st of each year. APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Used Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New / Used Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used (Previously Titled) Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
Less than 50,000 miles
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
Construction to Permanent Loan
6.84%
▼
APR6.84%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Energy Efficient Loan
6.90%
▼
APR6.90%
Last UpdatedJuly 26, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage (Term: 1-48 Months) Loan
6.94%
▼
APR6.94%
Last UpdatedJuly 26, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC, 27106
General Purpose Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
As Low As; General Purpose
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage (Term: 49-60 Months) Loan
7.14%
▼
APR7.14%
Last UpdatedJuly 26, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1823 Banking St, Greensboro, NC, 27408
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
As Low As; All loans subject to credit approval.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
24 Months Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage (Term: 1-48 Months) Loan
7.44%
▼
APR7.44%
Last UpdatedJuly 26, 2026
Details
As Low As; Non-Payroll Deduction
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
Recreational Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates as low as 7.49% APR.
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
10926 David Taylor Dr Ste 110, Charlotte, NC, 28262 1042
AnyTime Personal Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
College Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Rate subject to change annually on August 1st of each year. APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC, 27886
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage (Term: 49-60 Months) Loan
7.64%
▼
APR7.64%
Last UpdatedJuly 26, 2026
Details
As Low As; Non-Payroll Deduction
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Less than Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 26, 2026
Details
$14,999
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New / Used Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
36 Months Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedJuly 26, 2026
Details
$20,000; As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
48 Months Loan
8.50%
▼
APR8.50%
Last UpdatedJuly 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Other Goods Loan
8.74%
▼
APR8.74%
Last UpdatedJuly 26, 2026
Details
As low as
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Unsecured Lines of Credit Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC, 27106
Lot Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
As Low As; Lot
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
Open Loan
8.90%
▼
APR8.90%
Last UpdatedJuly 26, 2026
Details
As low as
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Payroll deduction or automatic draft
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Salary Advance (cash account > Loan
9.00%
▼
APR9.00%
Last UpdatedJuly 26, 2026
Details
$500; As Low As
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC, 27106
Credit Builder Loan
9.00%
▼
APR9.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Credit Builder
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
$15,000 - $25,000
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC, 27106
Undeveloped Land Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 26, 2026
Details
As Low As; Undeveloped Land
Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Personal Loan
9.38%
▼
APR9.38%
Last UpdatedJuly 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedJuly 26, 2026
Details
$20,000; As low as
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedJuly 26, 2026
Details
Fixed as low as
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Non-payroll deducation
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Credit Builder Loan
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedJuly 26, 2026
Details
$5,000+; As low as
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Cash Advance Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Purchase Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
As Low As
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Unsecured Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
As Low As; Savings Over 3 Years $426
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
As Low As
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedJuly 26, 2026
Details
Up to $10,000 available per member.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
$1499.00
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.48%
915 N Harrison Ave, Cary, NC, 27513 3904
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
9.99% APR and up; Fixed Rates only. Terms available up to 60 months.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.48%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC, 27676 9803
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
Max Term: Based on Balance
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
60 Months Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedJuly 26, 2026
Details
$7,500+; As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedJuly 26, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
$20,000 Maximum - Individual & Joint
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC, 27518
Fast Funds Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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 UpdatedJuly 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedJuly 26, 2026
Details
$10,000+; As low as
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.83%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC, 28226 0426
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedJuly 26, 2026
Details
Fixed APR
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Rate Advantage Loan
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
Regular APR: 10.75% to 18.00%
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
72 Months Loan
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
2031 RUTHERFORD RD, MARION, NC, 28752
Personal Unsecured Loans
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
As Low As; Starting at 10.75% Annual Percentage Rate
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Land Loan
10.75%
▼
APR10.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Other Collateral Loan
10.90%
▼
APR10.90%
Last UpdatedJuly 26, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3 Academy ST, Canton, NC, 28716
Lifestyle/Merchant Loan
11.00%
▼
APR11.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
11.24%
▼
APR11.24%
Last UpdatedJuly 26, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Signature Loans with Collateral
11.75%
▼
APR11.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Signature Term Note Loan
11.75%
▼
APR11.75%
Last UpdatedJuly 26, 2026
Details
As Low As; See example
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Installment Loan
11.95%
▼
APR11.95%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1700 Russ Ave, Waynesville, NC, 28786 5807
Promotional Loan
12.00%
▼
APR12.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Land Loan
12.00%
▼
APR12.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Disaster Loans
12.00%
▼
APR12.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC, 27106
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Signature
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedJuly 26, 2026
Details
As Low As
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC, 27518
Personal Loan
12.44%
▼
APR12.44%
Last UpdatedJuly 26, 2026
Details
As Low As
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Recruit Loan
12.50%
▼
APR12.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Consumer Loan
12.50%
▼
APR12.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
New Equipment Loan
12.50%
▼
APR12.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Signature - Unsecured Loan
12.75%
▼
APR12.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term Loan
12.75%
▼
APR12.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC, 27518
Credit Builder Loan
12.76%
▼
APR12.76%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.59%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedJuly 26, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Comaker Loan
13.00%
▼
APR13.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured Loan
13.50%
▼
APR13.50%
Last UpdatedJuly 26, 2026
Details
Non-payroll deduction APR*
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Used Equipment Loan
13.50%
▼
APR13.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3 Academy ST, Canton, NC, 28716
Fuel Loan
14.00%
▼
APR14.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Bridge Loans
14.00%
▼
APR14.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Tax Relief Loans
14.00%
▼
APR14.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Rewards Option with 2% Cash Back Loan
14.25%
▼
APR14.25%
Last UpdatedJuly 26, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Signature Premier Rewards Loan
14.75%
▼
APR14.75%
Last UpdatedJuly 26, 2026
Details
Regular APR: 14.75% to 18.00%
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Extra Personal Loan
14.99%
▼
APR14.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3 Academy ST, Canton, NC, 28716
Credit Builder Loan
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
No Credit Check Loan
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.38%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Quick Cash Loan
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
Debt Consolidation Loan
15.45%
▼
APR15.45%
Last UpdatedJuly 26, 2026
Details
Apply Online or call 1-800-951-LOAN
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Salary Advance (cash account < Loan
15.50%
▼
APR15.50%
Last UpdatedJuly 26, 2026
Details
$500; As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Credit Builder/ Rebuilder Loan
15.95%
▼
APR15.95%
Last UpdatedJuly 26, 2026
Details
As low as
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Delinquent Account Loan
15.99%
▼
APR15.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Quick Cash Loan
16.00%
▼
APR16.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC, 27701 3315
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Debt Consolidation Loans
16.00%
▼
APR16.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Personal Loan
16.00%
▼
APR16.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Debt Consolidation Loan
16.99%
▼
APR16.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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North Carolina Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1823 Banking St, Greensboro, NC, 27408
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
As Low As; All loans subject to credit approval.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates as low as 7.49% APR.
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC, 27886
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
10926 David Taylor Dr Ste 110, Charlotte, NC, 28262 1042
AnyTime Personal Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedJuly 26, 2026
Details
$20,000; As low as
Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Personal Loan
9.38%
▼
APR9.38%
Last UpdatedJuly 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedJuly 26, 2026
Details
$20,000; As low as
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedJuly 26, 2026
Details
Fixed as low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedJuly 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedJuly 26, 2026
Details
$5,000+; As low as
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedJuly 26, 2026
Details
Up to $10,000 available per member.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
$1499.00
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.48%
915 N Harrison Ave, Cary, NC, 27513 3904
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
9.99% APR and up; Fixed Rates only. Terms available up to 60 months.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
Max Term: Based on Balance
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedJuly 26, 2026
Details
$7,500+; As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedJuly 26, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedJuly 26, 2026
Details
$10,000+; As low as
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC, 27518
Personal Loan
12.44%
▼
APR12.44%
Last UpdatedJuly 26, 2026
Details
As Low As
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.59%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedJuly 26, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Extra Personal Loan
14.99%
▼
APR14.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
As Low As
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.38%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC, 27701 3315
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Personal Loan
16.00%
▼
APR16.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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North Carolina Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.48%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
Debt Consolidation Loan
15.45%
▼
APR15.45%
Last UpdatedJuly 26, 2026
Details
Apply Online or call 1-800-951-LOAN
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Debt Consolidation Loans
16.00%
▼
APR16.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Debt Consolidation Loan
16.99%
▼
APR16.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Powered by
MonitorBankRates
North Carolina Signature Loan Rates
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: 1.18%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 26, 2026
Details
As Low As
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC, 27676 9803
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Signature Loans with Collateral
11.75%
▼
APR11.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Signature Term Note Loan
11.75%
▼
APR11.75%
Last UpdatedJuly 26, 2026
Details
As Low As; See example
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC, 27106
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Signature
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Signature - Unsecured Loan
12.75%
▼
APR12.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Signature Premier Rewards Loan
14.75%
▼
APR14.75%
Last UpdatedJuly 26, 2026
Details
Regular APR: 14.75% to 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC, 27701 3315
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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MonitorBankRates
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
11.017%
▼ 0.001 vs 7 days ago
North Carolina personal loan rates fell 0.001 points over the past 7 days to 11.017% APR.
Signature Loan — NC Avg
11.514%
Unchanged vs 7 days ago
North Carolina signature loan rates currently average 11.514% APR.
As of Jul 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Carolina personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for North Carolina directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in North Carolina. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NC.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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?
- Blue Flame Credit Union Charlotte, NC: 3.99% (Disaster Recovery Loan)
- Weyco Community Credit Union: 4.75% (Used (Previously Titled) Loan)
- Piedmont Advantage Credit Union: 4.75% (Liberty Loan)
- Shuford Federal Credit Union: 5.00% (New and Current Model Loan)
- Self-Help Credit Union: 5.75% (Energy Saver 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: July 25, 2026.
