Best Personal Loan Rates in Gastonia, North Carolina (NC) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to North Carolina borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Gastonia, North Carolina include: 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, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union324 Burtonwood Dr, Gastonia, NC, 28054A+5.0 ★Texas Ratio: 4.17% offering Personal Loan at 7.49% APR, Truliant Federal Credit UnionTruliant Federal Credit Union3351 E Franklin Blvd Ste 106, Gastonia, NC, 28056A5.0 ★Texas Ratio: 7.58% offering Personal Loans at 7.99% APR, Carolina Cooperative Federal Credit UnionCarolina Cooperative Federal Credit Union1207 Bessemer City Rd, Gastonia, NC, 28052A5.0 ★Texas Ratio: 6.75% offering Personal Loan or Less Up to 24 Months at 9.99% APR, and Sharonview Federal Credit UnionSharonview Federal Credit Union2508 E Franklin Blvd, Gastonia, NC, 28056A5.0 ★Texas Ratio: 11.73% offering All-Purpose Loan at 10.74% APR. Personal loan rates as of April 14, 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 Fort Financial Federal Credit Union at 1475 N New Hope Rd, 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: April 14, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 16, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
324 Burtonwood Dr, Gastonia, NC, 28054
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 16, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3351 E Franklin Blvd Ste 106, Gastonia, NC, 28056
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 16, 2026
Details
As Low As; Learn More
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
324 Burtonwood Dr, Gastonia, NC, 28054
MAX LOAN TERMS
8.00%
▼
APR8.00%
Last UpdatedApril 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
324 Burtonwood Dr, Gastonia, NC, 28054
MAX LOAN TERMS
8.25%
▼
APR8.25%
Last UpdatedApril 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
324 Burtonwood Dr, Gastonia, NC, 28054
MAX LOAN TERMS
8.50%
▼
APR8.50%
Last UpdatedApril 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
324 Burtonwood Dr, Gastonia, NC, 28054
MAX LOAN TERMS
9.25%
▼
APR9.25%
Last UpdatedApril 16, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Gastonia, NC, 28052
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedApril 16, 2026
Details
$1499.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Gastonia, NC, 28052
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedApril 16, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Gastonia, NC, 28052
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedApril 16, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
324 Burtonwood Dr, Gastonia, NC, 28054
MAX LOAN TERMS
10.00%
▼
APR10.00%
Last UpdatedApril 16, 2026
Details
As Low As
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
2508 E Franklin Blvd, Gastonia, NC, 28056
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedApril 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
324 Burtonwood Dr, Gastonia, NC, 28054
MAX LOAN TERMS
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
584 COX RD, GASTONIA, NC, 28054
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
324 Burtonwood Dr, Gastonia, NC, 28054
MAX LOAN TERMS
11.50%
▼
APR11.50%
Last UpdatedApril 16, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
584 COX RD, GASTONIA, NC, 28054
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedApril 16, 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 16, 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.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
584 COX RD, GASTONIA, NC, 28054
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Gastonia, NC, 28052
No Credit Check Loan*
15.00%
▼
APR15.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1475 N New Hope Rd, Gastonia, NC, 28054
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedApril 16, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Gastonia, NC, 28052
Personal Loan - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR4.50%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 16, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 16, 2026
Details
As Low As
APR5.00%
Last UpdatedApril 16, 2026
Details
As Low As
APR5.50%
Last UpdatedApril 16, 2026
Details
As Low As
APR5.50%
Last UpdatedApril 16, 2026
Details
As Low As
APR5.75%
Last UpdatedApril 16, 2026
Details
up to 240 months
APR5.75%
Last UpdatedApril 16, 2026
Details
up to 180 months
APR5.75%
Last UpdatedApril 16, 2026
Details
As Low As
APR5.75%
Last UpdatedApril 16, 2026
Details
Payroll Deduction or Automatic Draft APR
APR5.99%
Last UpdatedApril 16, 2026
Details
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Computer Loan
6.00%
▼
APR6.00%
Last UpdatedApril 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
APR6.00%
Last UpdatedApril 16, 2026
Details
As Low As
APR6.25%
Last UpdatedApril 16, 2026
Details
Non-Payroll Deduction APR
APR6.25%
Last UpdatedApril 16, 2026
Details
As Low As
APR6.25%
Last UpdatedApril 16, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedApril 16, 2026
Details
As Low As
APR6.50%
Last UpdatedApril 16, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Computer Loan
6.50%
▼
APR6.50%
Last UpdatedApril 16, 2026
Details
As Low As; Non-Payroll Deduction
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedApril 16, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
6.90%
▼
APR6.90%
Last UpdatedApril 16, 2026
Details
$3000; Score: A+ = 750+
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Energy Efficient Loan
6.90%
▼
APR6.90%
Last UpdatedApril 16, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 16, 2026
Details
As Low As
APR7.00%
Last UpdatedApril 16, 2026
Details
All rates are based on a term of 84 months
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedApril 16, 2026
Details
Up to 60 months
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedApril 16, 2026
Details
As Low As
APR7.49%
Last UpdatedApril 16, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 16, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR7.75%
Last UpdatedApril 16, 2026
Details
$14,999
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
7.90%
▼
APR7.90%
Last UpdatedApril 16, 2026
Details
$3000; Score: B = 640-679
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 16, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 16, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 16, 2026
Details
As Low As
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 16, 2026
Details
Unsecured
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedApril 16, 2026
Details
$20,000; As Low As
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
Equipment Loans
8.25%
▼
APR8.25%
Last UpdatedApril 16, 2026
Details
As Low As; Up to 48 Months
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Recreational Loan
8.50%
▼
APR8.50%
Last UpdatedApril 16, 2026
Details
As Low As; MODEL YEAR: 2019-2025
APR8.50%
Last UpdatedApril 16, 2026
Details
All rates are based on a term of 84 months
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Unsecured Lines of Credit
8.75%
▼
APR8.75%
Last UpdatedApril 16, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
APR8.99%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Vacant Land Loans
9.00%
▼
APR9.00%
Last UpdatedApril 16, 2026
Details
Fixed 9.00% APR*
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
Personal
9.00%
▼
APR9.00%
Last UpdatedApril 16, 2026
Details
As Low As; Up to 60 Months
APR9.00%
Last UpdatedApril 16, 2026
Details
All rates are based on a term of 84 months
APR9.25%
Last UpdatedApril 16, 2026
Details
$15,000 -$25,000
APR9.38%
Last UpdatedApril 16, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedApril 16, 2026
Details
As Low As; Non-Payroll Deduction
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedApril 16, 2026
Details
$20,000; As Low As
APR9.49%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.74%
Last UpdatedApril 16, 2026
Details
$5,000+; As Low As
APR9.74%
Last UpdatedApril 16, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Loan to Value 95%
9.75%
▼
APR9.75%
Last UpdatedApril 16, 2026
Details
All rates are based on a term of 84 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Lifestyle Loan
9.85%
▼
APR9.85%
Last UpdatedApril 16, 2026
Details
Payroll Deduction or Automatic Draft APR
APR9.90%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.95%
Last UpdatedApril 16, 2026
Details
As Low As; Up to 60 Months
APR9.99%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 16, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 16, 2026
Details
Fixed Rates only. Terms available up to 60 months.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedApril 16, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
APR10.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR10.24%
Last UpdatedApril 16, 2026
Details
$7,500+; As Low As
APR10.24%
Last UpdatedApril 16, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 16, 2026
Details
Score: A+ = 750+
APR10.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
10.25%
▼
APR10.25%
Last UpdatedApril 16, 2026
Details
$250; As Low As
APR10.49%
Last UpdatedApril 16, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 16, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term 0 - 36 Months
10.50%
▼
APR10.50%
Last UpdatedApril 16, 2026
Details
Up to $5,000.00
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedApril 16, 2026
Details
$20,000 Maximum - Individual & Joint
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 16, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 16, 2026
Details
Score: A+ = 750+
APR10.74%
Last UpdatedApril 16, 2026
Details
$10,000+; As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
As Low As; Up to 36 months**
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
As Low As
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Unsecured Loans
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Loan to Value 70%
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
All rates are based on a term of 84 months
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
$1,250; As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
10.90%
▼
APR10.90%
Last UpdatedApril 16, 2026
Details
$3000; Score: C = 600-639
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Roaring Start Credit Builder Loan
10.99%
▼
APR10.99%
Last UpdatedApril 16, 2026
Details
Borrow: $500 to $1,200, with flexibility to increase if needed.
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Roaring Start Loan
10.99%
▼
APR10.99%
Last UpdatedApril 16, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 16, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 16, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 16, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Anything/Unsecured
11.24%
▼
APR11.24%
Last UpdatedApril 16, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Unsecured Loan
11.24%
▼
APR11.24%
Last UpdatedApril 16, 2026
Details
As Low As
APR11.24%
Last UpdatedApril 16, 2026
Details
No additional details available.
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Open-End Signature loan
11.25%
▼
APR11.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
11.25%
▼
APR11.25%
Last UpdatedApril 16, 2026
Details
$3,500; As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 16, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 16, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 16, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedApril 16, 2026
Details
up to 48 months
APR11.74%
Last UpdatedApril 16, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Loan to Value 85%
11.75%
▼
APR11.75%
Last UpdatedApril 16, 2026
Details
All rates are based on a term of 84 months
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
11.75%
▼
APR11.75%
Last UpdatedApril 16, 2026
Details
$7,000; As Low As
APR12.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Disaster Loans
12.00%
▼
APR12.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 16, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 16, 2026
Details
Score: A = 680-749
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedApril 16, 2026
Details
As Low As
APR12.24%
Last UpdatedApril 16, 2026
Details
No additional details available.
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 16, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedApril 16, 2026
Details
up to 48 months
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Consumer Loan
12.50%
▼
APR12.50%
Last UpdatedApril 16, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Recruit Loan
12.50%
▼
APR12.50%
Last UpdatedApril 16, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 16, 2026
Details
Score: B = 640-679
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term 37-60 Months
12.75%
▼
APR12.75%
Last UpdatedApril 16, 2026
Details
$5,000.01-$15,000.00
APR12.75%
Last UpdatedApril 16, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 16, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 16, 2026
Details
Terms up to 60 months. Debt protection available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 16, 2026
Details
Score: B = 640-679
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Comaker Loan
13.00%
▼
APR13.00%
Last UpdatedApril 16, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Unsecured Loan
13.50%
▼
APR13.50%
Last UpdatedApril 16, 2026
Details
Payroll Deduction or Automatic Draft APR
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 16, 2026
Details
Score: C = 600-639
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 16, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 16, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 16, 2026
Details
Score: C = 600-639
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Bridge Loans
14.00%
▼
APR14.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Tax Relief Loans
14.00%
▼
APR14.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR14.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Fuel Loan
14.00%
▼
APR14.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR14.25%
Last UpdatedApril 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft APR
Powered by
MonitorBankRates
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: 4.17%
324 Burtonwood Dr, Gastonia, NC, 28054
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 16, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3351 E Franklin Blvd Ste 106, Gastonia, NC, 28056
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 16, 2026
Details
As Low As; Learn More
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Gastonia, NC, 28052
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedApril 16, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Gastonia, NC, 28052
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedApril 16, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Gastonia, NC, 28052
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedApril 16, 2026
Details
$1499.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Gastonia, NC, 28052
Personal Loan - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 16, 2026
Details
As Low As
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedApril 16, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 16, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 16, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 16, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 16, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedApril 16, 2026
Details
$20,000; As Low As
APR9.38%
Last UpdatedApril 16, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedApril 16, 2026
Details
$20,000; As Low As
APR9.49%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.74%
Last UpdatedApril 16, 2026
Details
$5,000+; As Low As
APR9.99%
Last UpdatedApril 16, 2026
Details
Fixed Rates only. Terms available up to 60 months.
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 16, 2026
Details
As Low As
APR10.24%
Last UpdatedApril 16, 2026
Details
$7,500+; As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 16, 2026
Details
Score: A+ = 750+
APR10.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 16, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR10.74%
Last UpdatedApril 16, 2026
Details
$10,000+; As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
As Low As; Up to 36 months**
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 16, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
APR11.24%
Last UpdatedApril 16, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 16, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 16, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 16, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 16, 2026
Details
Score: A = 680-749
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 16, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 16, 2026
Details
Score: B = 640-679
APR12.75%
Last UpdatedApril 16, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 16, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 16, 2026
Details
Terms up to 60 months. Debt protection available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 16, 2026
Details
Score: B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 16, 2026
Details
Score: C = 600-639
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 16, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 16, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 16, 2026
Details
Score: C = 600-639
APR14.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1475 N New Hope Rd, Gastonia, NC, 28054
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedApril 16, 2026
Details
No additional details available.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedApril 16, 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%
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 16, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 16, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 16, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Debt Consolidation Loans
16.00%
▼
APR16.00%
Last UpdatedApril 16, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Debt Consolidation
16.99%
▼
APR16.99%
Last UpdatedApril 16, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
584 COX RD, GASTONIA, NC, 28054
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
584 COX RD, GASTONIA, NC, 28054
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedApril 16, 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 16, 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.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
584 COX RD, GASTONIA, NC, 28054
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedApril 16, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedApril 16, 2026
Details
Up to 60 months
APR7.50%
Last UpdatedApril 16, 2026
Details
No additional details available.
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 16, 2026
Details
Unsecured
APR9.90%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 16, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 16, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 16, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedApril 16, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Open-End Signature loan
11.25%
▼
APR11.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedApril 16, 2026
Details
up to 48 months
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 16, 2026
Details
As Low As
APR12.24%
Last UpdatedApril 16, 2026
Details
No additional details available.
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedApril 16, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedApril 16, 2026
Details
up to 48 months
Powered by
MonitorBankRates
No home improvement personal loan rates found in Gastonia, NC currently.
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.
Personal Loan — NC Avg
10.849%
Unchanged vs 7 days ago
North Carolina personal loan rates currently average 10.849% APR.
Signature Loan — NC Avg
12.616%
Unchanged vs 7 days ago
North Carolina signature loan rates currently average 12.616% APR.
As of Apr 16, 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 Gastonia, 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 Gastonia, 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 Gastonia, 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 Gastonia, North Carolina?
Credit unions in Gastonia, 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 Gastonia, North Carolina?
- Fort Financial Federal Credit Union: 6.75% (Credit Builder Plus Loan)
- Carolinas Telco Federal Credit Union: 7.49% (Personal Loan)
- Truliant Federal Credit Union: 7.99% (Personal Loans)
- Carolina Cooperative Federal Credit Union: 9.99% (Personal Loan or Less Up to 24 Months)
- Sharonview Federal Credit Union: 10.74% (All-Purpose Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Gastonia, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 14, 2026.
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