Personal loans in Elizabethtown, NC

If you are weighing a personal loan in Elizabethtown, start from the payment you can carry; its 3,265 residents face the same statewide rules.

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

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To lend to Elizabethtown's 3,265 residents, a company must hold a North Carolina licence, and each sourced row below names the regulator behind it. Roughly 3,265 residents live in Elizabethtown, the 204th-largest community in North Carolina. Verify the lender's North Carolina licence against the regulator named below before borrowing in Elizabethtown. Population in Elizabethtown dropped about 1.2% over the three years from 2020 to 2023. The next larger city is Whiteville, NC about 21 miles away.

Where Elizabethtown stands

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

Population: 3,265 — Elizabethtown ranks 204th of 549 communities in North Carolina (US Census Bureau, Vintage 2023).
Population trend: A decline of about 1.2% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a loss of about 41 residents.
Size percentile: roughly 63% of North Carolina's places have fewer residents than Elizabethtown's 3,265.
Land and density: 5.3 square miles of land carry roughly 613 residents per square mile.
By land area: Elizabethtown ranks 173rd among North Carolina's 549 places, at 5.3 sq mi.
Water area rank: Elizabethtown ranks 163rd among North Carolina's 549 places, with 0.04 sq mi.
Share of North Carolina: Elizabethtown holds about 0.1% of the state's population, some 3,265 people.
National rank: Elizabethtown is 6,012th of 19,457 places nationwide.
Growth in North Carolina: Elizabethtown stands 475th by percentage change from 2020 to 2023, among 549 places.
State comparison: North Carolina's places average +2.9% for 2020-to-2023, against Elizabethtown's 1.2%.
Density in North Carolina: Elizabethtown ranks 316th by people per square mile.
Density in context: Elizabethtown's 613 people per square mile sit against a North Carolina median of 758.
Location: it lies at 34.6215, -78.6063 in the Census Gazetteer.
Nearest larger cities: Whiteville (21 mi); Lumberton (23 mi); Clinton (30 mi); Hope Mills (31 mi); Eastover (34 mi). Lenders licensed in the state serve Elizabethtown whether or not they keep a local branch.
Nearest smaller towns: White Lake (7 mi); Dublin (7 mi); Clarkton (10 mi).
Within a 50-mile radius: 61 smaller Census places.
At 100 miles: 87 larger Census places fall inside that radius.

What is available to Elizabethtown borrowers

Elizabethtown is a moderately settled community of about 3,265 people, with 19 larger places inside a 50-mile radius. Distance to a branch rarely matters for Elizabethtown's 3,265 residents: the application is online and the price follows your credit file. The nearest larger city, Whiteville, NC about 21 miles away.

What North Carolina law requires in Elizabethtown

North Carolina has no separate rate rule for Elizabethtown; the sourced rows below are what reach every lender that serves its 3,265 people.

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
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
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

Before you apply in Elizabethtown

Complete these steps first when you borrow in Elizabethtown (3,265 residents):

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Verify the lender's North Carolina licence with the regulator listed on this page.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Check the disclosure for fees that raise the true cost above the quoted rate.
Test the payment against your current bills before you commit.

None of these steps is Elizabethtown-specific: the same North Carolina licensing and disclosure rules reach all 3,265 residents.

The anatomy of a Elizabethtown personal loan

In Elizabethtown, a small community of about 3,265, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Elizabethtown's 3,265 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Elizabethtown loan is knowable in advance — unlike a revolving card balance.

How Elizabethtown compares across North Carolina

Against North Carolina's other places, Elizabethtown accounts for about 0.1% of the state's population and ranks 204th of 549 by size. On the 2020-to-2023 trend, Elizabethtown stands 475th among North Carolina's 549 places — roughly the 13th percentile. Its roughly 613 residents per square mile place it 316th among North Carolina's places. The population moved by about 41 people between 2020 and 2023, a 1.2% shift.

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Common questions

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

What loan size can I expect in Elizabethtown?

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 Elizabethtown?

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 Elizabethtown 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

White Lake, NC — population 842
Dublin, NC — population 262
Clarkton, NC — population 602
Bladenboro, NC — population 1,634
Tar Heel, NC — population 90
Garland, NC — population 601
Whiteville, NC — population 4,677
Lake Waccamaw, NC — population 1,255