Best Personal Loan Rates in North Carolina (NC) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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, 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, Langley Federal Credit UnionLangley Federal Credit Union6308 Falls of Neuse Rd, Raleigh, NC, 27615A5.0 ★Texas Ratio: 11.01% offering Personal Loans at 6.50% APR, Fort Financial Federal Credit UnionFort Financial Federal Credit Union1475 N New Hope Rd, Gastonia, NC, 28054A+5.0 ★Texas Ratio: 3.12% offering Credit Builder Plus Loan at 6.75% APR, and ElecTel Cooperative Federal Credit UnionElecTel Cooperative Federal Credit Union2500 NC Highway 86 S, Hillsborough, NC, 27278A+5.0 ★Texas Ratio: 1.21% offering Signature Loan at 6.75% APR. Personal loan rates as of April 27, 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 27, 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 28, 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 28, 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 28, 2026
Details
As Low As
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 28, 2026
Details
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Personal Loans
6.50%
▼
APR6.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
Credit Builder Plus Loan
6.75%
▼
APR6.75%
Last UpdatedApril 28, 2026
Details
No additional details available.
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 28, 2026
Details
As Low As
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 28, 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 28, 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 28, 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 28, 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 28, 2026
Details
As Low As
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Recreational Loan
7.49%
▼
APR7.49%
Last UpdatedApril 28, 2026
Details
As Low As
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 28, 2026
Details
$14,999
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 28, 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 28, 2026
Details
As Low As; Working on a project? Need to make a purchase? We can help!
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 28, 2026
Details
Unsecured
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 28, 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 28, 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 28, 2026
Details
All rates are based on a term of 84 months
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 28, 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
Land Loans
9.00%
▼
APR9.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
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 28, 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
Other Collateralized Loans
9.25%
▼
APR9.25%
Last UpdatedApril 28, 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 28, 2026
Details
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 28, 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 28, 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 95%
9.75%
▼
APR9.75%
Last UpdatedApril 28, 2026
Details
All rates are based on a term of 84 months
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 28, 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 28, 2026
Details
As Low As
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal
9.95%
▼
APR9.95%
Last UpdatedApril 28, 2026
Details
As Low As; Up to 60 Months
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 28, 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 28, 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 Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedApril 28, 2026
Details
$1499.00
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 28, 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 28, 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 28, 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 28, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
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 28, 2026
Details
No additional details available.
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 28, 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) to $20,000
10.25%
▼
APR10.25%
Last UpdatedApril 28, 2026
Details
$250; As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term
10.50%
▼
APR10.50%
Last UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
No additional details available.
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 28, 2026
Details
As Low As
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2031 RUTHERFORD RD, MARION, NC, 28752
Personal Unsecured Loans
10.75%
▼
APR10.75%
Last UpdatedApril 28, 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 28, 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) to $20,000
10.75%
▼
APR10.75%
Last UpdatedApril 28, 2026
Details
$1,250; 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 28, 2026
Details
No additional details available.
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 28, 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
11.25%
▼
APR11.25%
Last UpdatedApril 28, 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) to $20,000
11.25%
▼
APR11.25%
Last UpdatedApril 28, 2026
Details
$3,500; 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 28, 2026
Details
No additional details available.
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 28, 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) to $20,000
11.75%
▼
APR11.75%
Last UpdatedApril 28, 2026
Details
$7,000; As Low As
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 28, 2026
Details
No additional details available.
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 28, 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 28, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedApril 28, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
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 28, 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 28, 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
Recruit Loan
12.50%
▼
APR12.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
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 28, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term
12.75%
▼
APR12.75%
Last UpdatedApril 28, 2026
Details
No additional details 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 28, 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
Comaker Loan
13.00%
▼
APR13.00%
Last UpdatedApril 28, 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 28, 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 28, 2026
Details
As Low As
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 28, 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 28, 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 28, 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 28, 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
14.25%
▼
APR14.25%
Last UpdatedApril 28, 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 28, 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 28, 2026
Details
As Low As
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 28, 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
Personal Loans
14.99%
▼
APR14.99%
Last UpdatedApril 28, 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 Loan
15.00%
▼
APR15.00%
Last UpdatedApril 28, 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 28, 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 28, 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 28, 2026
Details
APR will be determined at time of application based on member-applicant qualifications.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedApril 28, 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 28, 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 28, 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
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedApril 28, 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 28, 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
Personal Loan
16.00%
▼
APR16.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedApril 28, 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 Loans
16.99%
▼
APR16.99%
Last UpdatedApril 28, 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 - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedApril 28, 2026
Details
No additional details available.
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Emergency Loan
17.95%
▼
APR17.95%
Last UpdatedApril 28, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1501 River Rd, Cofield, NC, 27922
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 28, 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
Signature Cash Back
18.00%
▼
APR18.00%
Last UpdatedApril 28, 2026
Details
Rates as low as; Pick Your Own Category! 5% on Pick Your Own Category; 3% on Gas; 2% on Groceries & Wholesale Clubs; 1% on Other Purchases
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC, 27518
First Flight Advance Loans
25.00%
▼
APR25.00%
Last UpdatedApril 28, 2026
Details
Qualifications Required: Must be primary account holder; Member for 90 days prior to application; Direct deposit within 61 days prior to application; Accounts in good standing.; Application fee: $20; Membership eligibility required. Terms and Conditions apply.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Personal Loans
6.50%
▼
APR6.50%
Last UpdatedApril 28, 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
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 28, 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 28, 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 28, 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 28, 2026
Details
As Low As; Working on a project? Need to make a purchase? We can help!
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 28, 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 28, 2026
Details
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 28, 2026
Details
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 28, 2026
Details
As Low As
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 28, 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 28, 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 28, 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 28, 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 28, 2026
Details
As Low As
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 28, 2026
Details
No additional details available.
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 28, 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 28, 2026
Details
No additional details available.
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 28, 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 28, 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 28, 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 28, 2026
Details
As Low As
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 28, 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 Loans
14.99%
▼
APR14.99%
Last UpdatedApril 28, 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 Loan
15.00%
▼
APR15.00%
Last UpdatedApril 28, 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 28, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedApril 28, 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
Personal Loan
16.00%
▼
APR16.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedApril 28, 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 Loans
16.99%
▼
APR16.99%
Last UpdatedApril 28, 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 - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedApril 28, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 28, 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 28, 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 28, 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 28, 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 28, 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 28, 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 28, 2026
Details
No additional details available.
Powered by
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 28, 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 28, 2026
Details
Up to 60 months
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 28, 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 28, 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 28, 2026
Details
As Low As
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 28, 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 28, 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
11.25%
▼
APR11.25%
Last UpdatedApril 28, 2026
Details
No additional details available.
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 28, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedApril 28, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
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 28, 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
14.25%
▼
APR14.25%
Last UpdatedApril 28, 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 28, 2026
Details
Regular APR: 14.75% - 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedApril 28, 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
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedApril 28, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1501 River Rd, Cofield, NC, 27922
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 28, 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
Signature Cash Back
18.00%
▼
APR18.00%
Last UpdatedApril 28, 2026
Details
Rates as low as; Pick Your Own Category! 5% on Pick Your Own Category; 3% on Gas; 2% on Groceries & Wholesale Clubs; 1% on Other Purchases
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
10.585%
▲ 0.519 vs 7 days ago
North Carolina personal loan rates rose 0.519 points over the past 7 days to 10.585% APR.
Signature Loan — NC Avg
12.747%
▲ 0.049 vs 7 days ago
North Carolina signature loan rates rose 0.049 points over the past 7 days to 12.747% APR.
As of Apr 28, 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)
- RTP Federal Credit Union: 5.99% (Technology Loans)
- Langley Federal Credit Union: 6.50% (Personal Loans)
- Fort Financial Federal Credit Union: 6.75% (Credit Builder Plus Loan)
- ElecTel Cooperative Federal Credit Union: 6.75% (Signature Loan)
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 27, 2026.
