Personal loans in Black Creek, NC

Population in Black Creek climbed about 0.3% over the three years from 2020 to 2023. The roughly 690 people who live in Black Creek borrow under North Carolina rules; city hall sets no personal-loan rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Roughly 690 residents live in Black Creek, the 381st-largest community in North Carolina. The next larger city is Lucama, NC about 4 miles away. A single loan can carry different costs on either side of a state line, and Black Creek sits on the North Carolina side of that line. Rate-shopping from Black Creek costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

Borrowing in Black Creek: the local picture

Set out below is Black Creek's local context next to the state-level rules that reach every lender here.

Black Creek's place among North Carolina's 549 places

Within North Carolina, Black Creek holds roughly 0.0% of all residents, the 381st-largest share among 549 places. For population change between 2020 and 2023, Black Creek ranks 386th of 549 in North Carolina (about the 30th percentile). At about 975 people per square mile, Black Creek is the 186th most densely settled place in North Carolina. By land area, its 0.7 square miles rank 483rd of 549 places in North Carolina.

How personal loans work in Black Creek

Most loans made to Black Creek's 690 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Black Creek loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Black Creek loan but raises total interest, so the smallest payment is not the cheapest loan.

Black Creek on the map

Inside Black Creek's boundaries lie about 0.7 square miles of land, with no significant water area recorded. That land carries about 975 people per square mile. For the state's biggest city, Charlotte, the distance is roughly 166 miles. Counting outward 50 miles, 63 larger communities surround Black Creek. Within the same 50 miles lie 33 smaller Census places.

North Carolina consumer-lending rules applied in Black Creek

This table holds the North Carolina rate and licensing rules for consumer loans made to Black Creek's 690 residents.

RuleDetailSource
State lending regulatorNorth Carolina Office of the Commissioner of Banks (NCCOB)
Source says: "Lenders operating under the CFA must be licensed by and are subject to regulation by the NCCOB."		North Carolina Office of the Commissioner of Banks
as of 2026-09-16
Small-loan / installment lender licensingConsumer Finance Act license from the Commissioner of Banks required for loans of $25,000 or less charging more than Chapter 24 rates
Source says: "Direct lenders seeking to charge rates higher than allowed under Chapter 24 on consumer term loans of twenty-five thousand dollars ($25,000) or less"		North Carolina Office of the Commissioner of Banks
as of 2026-09-16
Consumer Finance Act installment loan rates (G.S. 53-176)33% per annum on unpaid balance up to $4,000; 24% on $4,000-$8,000; 18% on the remainder (loans up to $12,000); 18% for loans above $12,000
Source says: "thirty-three percent (33%) per annum on that part of the unpaid principal balance not exceeding four thousand dollars ($4,000)"		North Carolina General Assembly
as of 2026-09-16

How lenders reach Black Creek

At roughly 975 people per square mile, Black Creek is moderately settled; 63 larger places lie within 50 miles. Lenders licensed in North Carolina reach Black Creek's 690 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Lucama, NC about 4 miles away.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Black Creek if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Black Creek is the same as anywhere in North Carolina.
What loan size can I expect in Black Creek?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Black Creek?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Black Creek cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related