Personal loans in Chocowinity, NC

The Census counts 749 people in Chocowinity, the 369th-largest figure among North Carolina's 549 places. The trend for Chocowinity between 2020 and 2023 is downward by roughly 0.1%. If you are weighing a personal loan in Chocowinity, start from the payment you can carry; its 749 residents face the same statewide rules. When North Carolina caps or restricts a product, lenders either change the terms or withdraw it from Chocowinity as from the rest of the state. For a community of about 749, the practical step is to compare APR across at least three lenders before committing. The nearest larger metro is Washington, NC about 4 miles away.

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

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The Chocowinity data picture

Read the local figures below as context; read the sourced North Carolina table as the rulebook a lender here must follow.

Population: an estimated 749 residents, 369th of 549 places in North Carolina (Census Vintage 2023 subcounty estimate).
Population trend: Down about 0.1% from the 2020 Census base to the 2023 estimate.
People gained or lost: about 1 fewer since the 2020 base.
Size percentile: roughly 33% of North Carolina places rank below Chocowinity.
Land and density: 1.0 square miles of land carry roughly 751 residents per square mile.
Land area rank: Chocowinity's 1.0 square miles rank 444th of 549 places in North Carolina.
Share of North Carolina: Chocowinity holds about 0.0% of the state's population, some 749 people.
National rank: Chocowinity sits 11,464th by population among the 19,457 places in this dataset.
Growth rank: Chocowinity's 2020-to-2023 change ranks 421st of 549 places in North Carolina.
Versus North Carolina: the state average change is +2.9%, while Chocowinity moved 0.1%.
Density rank: Chocowinity places 278th among North Carolina's places by people per square mile.
Density vs North Carolina: Chocowinity's 751 people per square mile compare with a state median of 758.
Location: 35.5146, -77.1015 (Census Gazetteer coordinates).
Nearest larger cities: Washington (4 mi); Vanceboro (15 mi); Greenville (16 mi); Winterville (17 mi); Ayden (18 mi). For most borrowers the comparison happens online, not at a branch.
Smaller places close by: Washington Park (4 mi); Grimesland (7 mi); Simpson (11 mi).
Smaller neighbours: 45 places smaller than Chocowinity sit within 50 miles.
Larger places within 100 miles: 127.

How North Carolina law applies in Chocowinity

When North Carolina does not publish a figure, the row links to the source instead of inventing a number; Chocowinity is bound by the same rules.

Rule	Detail	Source
State lending regulator	North 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
Payday lending status	Payday lenders shut down in North Carolina; online payday lending remains an enforcement target Source says: "Payday Lenders: Shut Down In NC, But Still Victimizing Borrowers Online"	North Carolina Department of Justice (Office of the Attorney General) as of 2026-09-16
Small-loan / installment lender licensing	Consumer 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

How Chocowinity compares across North Carolina

Among North Carolina's 549 places, Chocowinity sits at 369th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Chocowinity stands 421st among North Carolina's 549 places — roughly the 23th percentile. Its roughly 751 residents per square mile place it 278th among North Carolina's places. The population moved by about 1 people between 2020 and 2023, a 0.1% shift.

Lender access in Chocowinity

Chocowinity is moderately settled, with about 751 people per square mile and 37 larger places within 50 miles. What is available to Chocowinity's 749 borrowers is set by North Carolina licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Washington, NC about 4 miles away.

Inside a Chocowinity personal loan

Most loans made to Chocowinity's 749 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Chocowinity's 749 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Chocowinity loan is knowable in advance — unlike a revolving card balance.

Before you apply in Chocowinity

Before you hand your details to a lender in Chocowinity, where the population is near 749:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Model the payment on the calculator before a lender models it for you.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Check the North Carolina regulator's records to confirm the lender is licensed here.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Check the disclosure for fees that raise the true cost above the quoted rate.
Test the payment against your current bills before you commit.

What differs between Chocowinity and the rest of North Carolina is not the process but the borrower's own file, among the 749 people here.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Chocowinity 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 Chocowinity is the same as anywhere in North Carolina.

What loan size can I expect in Chocowinity?

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 Chocowinity?

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 Chocowinity 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

Washington, NC — population 9,683
Washington Park, NC — population 382
Grimesland, NC — population 399
Simpson, NC — population 401
Vanceboro, NC — population 877
Bear Grass, NC — population 84
Greenville, NC — population 90,053
Bath, NC — population 242