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Personal loans in Enfield, NC

For a borrower among the roughly 1,798 residents of Enfield, a personal loan is a tool whose cost turns on the terms, not the address. Pull your credit reports and line up at least three offers before you apply from Enfield. Enfield is one of 549 Census places in North Carolina; its 1,798 residents put it at 262nd. For the 1,798 people in Enfield, North Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The 2020 count to the 2023 estimate shows about 3.4% decline in Enfield. Borrowers who want a bigger city can look to Red Oak, NC about 15 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.

Local context for Enfield

What follows is Enfield's place in the Census record, alongside the North Carolina rules that govern a personal loan made here.

How personal loans work in Enfield

A Enfield personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,798 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Enfield. Shortening the term on a Enfield loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How North Carolina law applies in Enfield

Every row below records a North Carolina rule, its publisher and its retrieval date — the same rules a Enfield lender must follow.

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
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
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

Where Enfield sits

Enfield's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,382 people per square mile. For the state's biggest city, Charlotte, the distance is roughly 190 miles. Enfield has 23 larger places within a 50-mile radius. The 100-mile radius contains 99 larger places.

How Enfield compares across North Carolina

Within North Carolina, Enfield holds roughly 0.0% of all residents, the 262nd-largest share among 549 places. For population change between 2020 and 2023, Enfield ranks 518th of 549 in North Carolina (about the 6th percentile). Its roughly 1,382 residents per square mile place it 88th among North Carolina's places. Between 2020 and 2023 the count changed by roughly 63 residents.

Steps to take before a Enfield loan

A sensible order of operations for a loan in Enfield, home to about 1,798 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's North Carolina licence with the regulator listed on this page.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Enfield as elsewhere in North Carolina, the written terms — not the advertisement — are what count for its 1,798 residents.

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