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Personal loans in Clemmons, NC

Clemmons ranks 45th of 549 places in North Carolina, with a population near 22,159. Clemmons added about 4.7% to its population between the 2020 base and the 2023 estimate. Clemmons, North Carolina — home to about 22,159 people — is a smaller city, so the terms you are offered follow North Carolina law rather than any local rule. For the 22,159 people in Clemmons, North Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. If debt is already a strain, a nonprofit credit counsellor can help Clemmons residents before they take on more. The closest larger city is Winston-Salem, NC about 9 miles away.

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.

Borrowing in Clemmons: the local picture

Clemmons is a smaller city; the notes below cover its population profile and the statewide rules that apply.

Clemmons against the rest of North Carolina

Set beside North Carolina's 549 places, Clemmons ranks 45th by population and holds about 0.4% of the state total. On the 2020-to-2023 trend, Clemmons stands 115th among North Carolina's 549 places — roughly the 79th percentile. By density, at about 1,849 people per square mile, it ranks 39th in North Carolina. Within 50 miles sit 73 smaller Census places, alongside the 12 that are larger.

Which North Carolina laws govern a loan in Clemmons

This table holds the North Carolina rate and licensing rules for consumer loans made to Clemmons's 22,159 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
Maximum legal interest rate (usury cap)For loans of $25,000 or less: greater of the 6-month U.S. Treasury bill rate + 6% or 16% (G.S. 24-1.1(c)); any agreed rate above $25,000
Source says: "plus six percent (6%), rounded upward or downward ... or sixteen percent (16%), whichever is greater"		North Carolina General Assembly
as of 2026-09-16
Payday lending statusPayday 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

Lender access in Clemmons

With about 1,849 residents per square mile, Clemmons is moderately settled, and 12 larger Census places sit within 50 miles. Lenders licensed in North Carolina reach Clemmons's 22,159 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Winston-Salem, NC about 9 miles away.

The anatomy of a Clemmons personal loan

Most loans made to Clemmons's 22,159 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Clemmons's rank of 45th in North Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Clemmons loan but raises total interest, so the smallest payment is not the cheapest loan.

Clemmons: area, density and distance

The Census Gazetteer records 12.0 square miles of land and 0.21 square miles of water within Clemmons. That land carries about 1,849 people per square mile. Charlotte, the largest place in North Carolina, is about 62 miles from Clemmons. Counting outward 50 miles, 12 larger communities surround Clemmons. By land area it ranks 83rd of 549 North Carolina places.

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 Clemmons 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 Clemmons is the same as anywhere in North Carolina.
What loan size can I expect in Clemmons?
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 Clemmons?
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 Clemmons 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.

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