North Carolina Personal Loan Rate Trends
Track current and weekly average personal loan rates in North Carolina, view interactive rate trend charts, and compare local NC aprs against the national average.
Current North Carolina Personal Loan Rate Trends
Personal Loan rates in North Carolina rose 0.519 this week, pushing the Personal Loan average to 10.585%, up from 10.066% last week.
At 10.585%, North Carolina’s average sits 0.126 below the current national average of 10.711%. NC borrowers may have a competitive advantage relative to the national market.
The North Carolina personal loan rate averages on this page are calculated from 109 verified personal loan rate quotes collected across 42 banks and credit unions actively operating in North Carolina. Our proprietary systems collect and verify rates daily — tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
North Carolina Personal Loan Rate Trends Chart
Daily average rates since March 15, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
North Carolina personal loan rate averages compiled from 109 current rate quotes across 42 banks and credit unions operating in NC — updated daily.
As of Apr 28, 2026 • Data provided by MonitorBankRates.com
Historical Personal Loan Rate Trends in North Carolina
Quarterly average personal loan rates at credit unions headquartered in North Carolina, 1994–present. Different methodology from the daily chart above — this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in North Carolina (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994–present.
Quarterly weighted averages calculated from credit union rate filings, weighted by personal loan portfolio balance.
