Best Personal Loan Rates in Wilmington, North Carolina -
Brian McKay
Brian McKay
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Current personal loan options available to borrowers in Wilmington, North Carolina include: Self-Help Credit UnionSelf-Help Credit Union307 S College Rd, Wilmington, NC, 28403A5.0 ★Texas Ratio: 6.49% offering Energy Saver Loans at 5.75% APR, REVREV3702 College Rd S, Wilmington, NC, 28412 2004A+5.0 ★Texas Ratio: 3.60% offering New / Used Loan at 6.75% APR, State Employees Credit UnionState Employees Credit Union3500 Converse Rd, WILMINGTON, NC, 28403 6198A-5.0 ★Texas Ratio: 14.47% offering Salary Advance (cash account > Loan at 8.75% APR, Sharonview Federal Credit UnionSharonview Federal Credit Union3212 Oleander Dr, Wilmington, NC, 28403 0800A5.0 ★Texas Ratio: 10.83% offering All-Purpose Loan at 10.74% APR, and Arcade Credit UnionArcade Credit UnionA+5.0 ★Texas Ratio: 4.35% offering 8+ yrs Loan at 3.99% APR. Personal loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Wilmington has 4 local institutions in our database, with personal loan rates as low as 5.75% APR from Self-Help Credit Union at 307 S College Rd, Wilmington, NC, 28403. 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 Wilmington, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Wilmington, 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
Wilmington Personal Loan Rates
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As Low As
As Low As
Less than $14,999
$500; As Low As
$15,000 -$25,000
$250
Fixed APR as low as; 10.74%
$1,250
No additional details available.
$3,500
No additional details available.
As Low As
$7,000
No additional details available.
$500; As Low As
No additional details available.
As Low As
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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
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Less than 75,000 miles
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
As Low As;*
Maximum Amount: N/A; Loan to Value: 100%
No additional details available.
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As Low As;*
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As Low As
Less than 50,000 miles
As Low As
No additional details available.
As Low As
As Low As; Payroll Deduction or Automatic Draft
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.
No additional details available.
As Low As; Payroll Deduction or Automatic Draft
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As Low As; * Applies to Loan Amounts $1,000 - $35,000
As Low As; Non-Payroll Deduction
As Low As; APR=Annual Percentage Rate.
As Low As
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; Click Here
As Low As; * Applies to Loan Amounts $1,000 - $35,000
As Low As
No additional details available.
As low as
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$20,000; As low as
As Low As
As Low As; * Applies to Loan Amounts $1,000 - $35,000
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; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
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
No additional details available.
As Low As; Non-payroll deducation APR
$20,000; As low as
As Low As
No additional details available.
$5,000+; As low as
Rates as low as 9.90%
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.
As Low As
$1499.00
As Low As
Max Term: Based on Balance
No additional details available.
$1500.00
9.99% APR and up; Fixed Rates only. Terms available up to 60 months.
As Low As; Maximum term for lowest rate is 60 months.
As Low As; * Applies to Loan Amounts $1,000 - $35,000
$7,500+; As low as
As Low As
As Low As; can go up to as much as $10,000.00 per member
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; * Applies to Loan Amounts $1,000 - $35,000
As Low As; Starting at 10.75% Annual Percentage Rate
No additional details available.
As Low As
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As Low As
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No additional details available.
Fixed
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.
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
Fixed
Fixed
Fixed
No additional details available.
As Low As; Qualify up to $10,000
No additional details available.
As Low As
No additional details available.
Non-payroll deduction
Fixed
No additional details available.
As Low As
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As Low As
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Maximum Amount based on debt ratio, credit, and length of employment
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As Low As
Maximum APR: 18.00%
Intro rate expires: 12 months; Regular APR: 15.24% - 25.24%
No additional details available.
As low as
Maximum Amount: $20,000; Loan to Value: N/A
Wilmington Personal Loan Rates
As Low As
As Low As
*
As Low As; APR=Annual Percentage Rate.
As Low As
As Low As
As Low As; Funding For Your Summertime. Loan amounts up to $45,000
As low as; Click Here
As low as
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.
As Low As
$5,000+; As low as
As Low As
Max Term: Based on Balance
$1499.00
$1500.00
No additional details available.
9.99% APR and up; Fixed Rates only. Terms available up to 60 months.
$7,500+; As low as
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
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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
Wilmington Debt Consolidation Loan Rates
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.
No additional details available.
Wilmington Signature Loan Rates
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
Rates as low as 9.90%
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.
No additional details available.
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.
Maximum APR: 18.00%
Maximum Amount: $20,000; Loan to Value: N/A
Wilmington, NC Personal Loan Rate Trends
Compare local Wilmington, 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 Wilmington, 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 Wilmington, 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 Wilmington, 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 Wilmington, North Carolina?
What are the best personal loan rates in Wilmington, North Carolina?
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- REV: 6.75% (New / Used Loan)
- State Employees Credit Union: 8.75% (Salary Advance (cash account > Loan)
- Sharonview Federal Credit Union: 10.74% (All-Purpose Loan)
- Arcade Credit Union: 3.99% (8+ yrs Loan)
Wilmington, North Carolina Rates & Resources
Personal Loan Calculators
