Personal loans in Dallas, NC

With an estimated 6,156 residents, Dallas is the 126th-largest of 549 places in North Carolina. Dallas is a small town in North Carolina, with an estimated 6,156 residents, and every licensed lender here follows the same state rulebook.

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.

If debt is already a strain, a nonprofit credit counsellor can help Dallas residents before they take on more. Consumer lending that reaches Dallas's 6,156 residents is governed by North Carolina statute; no city ordinance changes it. Dallas added about 3.7% to its population between the 2020 base and the 2023 estimate. The closest larger place is Gastonia, NC about 5 miles away.

The Dallas data picture

Here is the sourced Census picture for Dallas, plus the North Carolina lending rules that apply to a loan taken out here.

The geography behind Dallas

Inside Dallas's boundaries lie about 3.1 square miles of land, with no significant water area recorded. That land carries about 2,003 people per square mile. The state's population centre of gravity, Charlotte, is roughly 21 miles away. Counting outward 50 miles, 43 larger communities surround Dallas. By land area it ranks 249th of 549 North Carolina places.

Where Dallas sits in North Carolina

Dallas is the 126th-largest of 549 Census places in North Carolina and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Dallas stands 149th among North Carolina's 549 places — roughly the 73th percentile. Its roughly 2,003 residents per square mile place it 30th among North Carolina's places. By land area, its 3.1 square miles rank 249th of 549 places in North Carolina.

North Carolina consumer-lending rules applied in Dallas

The rows below set out what a licensed lender must follow in North Carolina, and so for Dallas's roughly 6,156 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

What is available to Dallas borrowers

Dallas is a fairly dense community of about 6,156 people, with 43 larger places inside a 50-mile radius. Distance to a branch rarely matters for Dallas's 6,156 residents: the application is online and the price follows your credit file. The nearest larger city, Gastonia, NC about 5 miles away.

What a Dallas borrower is actually offered

A Dallas personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 6,156 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dallas. Because the payment is fixed, the total cost of a Dallas loan is knowable in advance — unlike a revolving card balance.

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