Best Personal Loan Rates in Gastonia, North Carolina (NC) - April 2026
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: 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 Loans at 6.75% 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 Credit Scores 780 & Higher 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 22, 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 22, 2026
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$14,999
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$15,000 -$25,000
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$5,000.01-$15,000.00
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Regular APR: 14.75% - 18.00%
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APR will be determined at time of application based on member-applicant qualifications.
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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
$20 application fee. Speak with a First Flight representative for full offer details.
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Up to 60 months
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Regular APR: 14.75% - 18.00%
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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
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 fell 0.783 points over the past 7 days to 10.066% APR.
North Carolina signature loan rates rose 0.082 points over the past 7 days to 12.698% APR.
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?
- Fort Financial Federal Credit Union: 6.75% (Credit Builder Plus Loan)
- Carolinas Telco Federal Credit Union: 6.75% (Personal Loans)
- Truliant Federal Credit Union: 7.99% (Personal Loans)
- Carolina Cooperative Federal Credit Union: 9.99% (Personal Loan Credit Scores 780 & Higher)
- Sharonview Federal Credit Union: 10.74% (All-Purpose Loan)
Personal Loan Calculators
