Best Personal Loan Rates in Gastonia, North Carolina - June
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Gastonia, North Carolina include: Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union324 Burtonwood Dr, Gastonia, NC, 28054A+5.0 ★Texas Ratio: 3.88% offering Personal Loans at 6.75% APR, Fort Financial Federal Credit UnionFort Financial Federal Credit Union1475 N New Hope Rd, Gastonia, NC, 28054A+5.0 ★Texas Ratio: 2.84% offering Credit Builder Plus Loan at 6.75% APR, Truliant Federal Credit UnionTruliant Federal Credit Union3351 E Franklin Blvd Ste 106, Gastonia, NC, 28056A5.0 ★Texas Ratio: 6.68% offering Personal Loans at 7.49% APR, State Employees Credit UnionState Employees Credit Union584 COX RD, GASTONIA, NC, 28054A-5.0 ★Texas Ratio: 14.47% offering Salary Advance (cash account > Loan at 8.75% APR, and Carolina Cooperative Federal Credit UnionCarolina Cooperative Federal Credit Union1207 Bessemer City Rd, Gastonia, NC, 28052A5.0 ★Texas Ratio: 6.29% offering Personal Loan Credit Scores 780 & Higher at 9.99% APR. Personal loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Gastonia has 7 local institutions in our database, with personal loan rates as low as 6.75% APR from Carolinas Telco Federal Credit Union at 324 Burtonwood Dr, Gastonia, NC, 28054. Use the tabs below to compare all available personal loan types. 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 Gastonia, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Gastonia, 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: June 23, 2026
Gastonia Personal Loan Rates
As Low As
No additional details available.
No additional details available.
As Low As; * Applies to Loan Amounts $1,000 - $35,000
As Low As; APR=Annual Percentage Rate.
As Low As
As Low As; * Applies to Loan Amounts $1,000 - $35,000
As Low As
As Low As; * Applies to Loan Amounts $1,000 - $35,000
$500; As Low As
As Low As
No additional details available.
$1500.00
$1499.00
As Low As; * Applies to Loan Amounts $1,000 - $35,000
As Low As
Fixed APR as low as; 10.74%
As Low As; * Applies to Loan Amounts $1,000 - $35,000
No additional details available.
As Low As
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.
As Low As
No additional details available.
$500; As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
Less than 140,000 miles
As Low As
Less than 100,000 miles
As Low As
As Low As
Less than 75,000 miles
No additional details available.
As Low As;*
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
Maximum Amount: N/A; Loan to Value: 100%
No additional details available.
No additional details available.
No additional details available.
As Low As;*
No additional details available.
As Low As
As Low As
Less than 50,000 miles
No additional details available.
As Low As
As Low As; Payroll Deduction or Automatic Draft
As Low As
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
No additional details available.
As Low As; Payroll Deduction or Automatic Draft
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As Low As; Non-Payroll Deduction
As Low As
As Low As
As Low As; Funding For Your Summertime. Loan amounts up to $45,000
As Low As; Non-Payroll Deduction
As Low As
Less than $14,999
As low as; Click Here
No additional details available.
No additional details available.
As low as
$20,000; As low as
As Low As
As low as
No additional details available.
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
As Low As; Payroll deduction or automatic draft APR
As Low As
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
$15,000 -$25,000
As Low As
As Low As; Non-payroll deducation APR
$20,000; As low as
No additional details available.
No additional details available.
$5,000+; As low as
Unsecured - 36 Mo: $418 is the difference between the amount paid in interest between Advancial Federal Credit Union's rate at 9.90% APR compared to 11.54% APR for the Charlotte Metro market average over the life of a $15,000 unsecured loan over 36 months.
Rates as low as 9.90%
As Low As
As Low As; Maximum term for lowest rate is 60 months.
9.99% APR and up; Fixed Rates only. Terms available up to 60 months.
Max Term: Based on Balance
As Low As
$7,500+; As low as
As Low As; can go up to as much as $10,000.00 per member
$250
No additional details available.
No additional details available.
As Low As1 Langley's Lowest Rate Visa
$20,000 Maximum - Individual & Joint
No additional details available.
No additional details available.
$10,000+; As low as
As Low As; Starting at 10.75% Annual Percentage Rate
No additional details available.
$1,250
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
$3,500
No additional details available.
No additional details available.
$7,000
No additional details available.
No additional details available.
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
Fixed
No additional details available.
No additional details available.
As Low As
As Low As
Fixed
No additional details available.
Fixed
Fixed
As Low As; Qualify up to $10,000
No additional details available.
No additional details available.
As Low As
No additional details available.
Fixed
Non-payroll deduction
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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As Low As
No additional details available.
Maximum APR: 18.00%
As Low As
Maximum Amount based on debt ratio, credit, and length of employment
No additional details available.
No additional details available.
No additional details available.
Intro rate expires: 12 months; Regular APR: 15.24% - 25.24%
As low as
Maximum Amount: $20,000; Loan to Value: N/A
Gastonia Personal Loan Rates
As Low As
As Low As; APR=Annual Percentage Rate.
As Low As
As Low As
As Low As
No additional details available.
$1500.00
$1499.00
As Low As
No additional details available.
As Low As
*
As Low As
As Low As; Funding For Your Summertime. Loan amounts up to $45,000
As low as; Click Here
No additional details available.
As low as
$20,000; As low as
As Low As
As Low As
$20,000; As low as
No additional details available.
$5,000+; As low as
As Low As
9.99% APR and up; Fixed Rates only. Terms available up to 60 months.
Max Term: Based on Balance
$7,500+; As low as
As Low As; can go up to as much as $10,000.00 per member
No additional details available.
$10,000+; As low as
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Qualify up to $10,000
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
Maximum APR: 18.00%
As Low As
Maximum Amount based on debt ratio, credit, and length of employment
Maximum Amount: $20,000; Loan to Value: N/A
Gastonia Debt Consolidation Loan Rates
No additional details available.
As Low As; Maximum term for lowest rate is 60 months.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Gastonia Signature Loan Rates
No additional details available.
As Low As
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.
As Low As
No additional details available.
No additional details available.
Rates as low as 9.90%
As Low As
No additional details available.
No additional details available.
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
No additional details available.
No additional details available.
Maximum APR: 18.00%
Maximum Amount: $20,000; Loan to Value: N/A
Gastonia, NC Personal Loan Rate Trends
Compare local Gastonia, NC 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.
North Carolina personal loan rates currently average 10.962% APR.
North Carolina signature loan rates currently average 11.503% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Gastonia, 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 Gastonia, 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 Gastonia, 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?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in North Carolina?
Are credit unions or banks better for personal loans in Gastonia, North Carolina?
What are the best personal loan rates in Gastonia, North Carolina?
- Carolinas Telco Federal Credit Union: 6.75% (Personal Loans)
- Fort Financial Federal Credit Union: 6.75% (Credit Builder Plus Loan)
- Truliant Federal Credit Union: 7.49% (Personal Loans)
- State Employees Credit Union: 8.75% (Salary Advance (cash account > Loan)
- Carolina Cooperative Federal Credit Union: 9.99% (Personal Loan Credit Scores 780 & Higher)
Gastonia, North Carolina Rates & Resources
Personal Loan Calculators
