Personal loans in Farmville, NC
At about 4,546 residents, Farmville is larger than roughly 70% of the places in North Carolina. Farmville counts about 4,546 people, and what is genuinely local about borrowing here is limited — North Carolina law does the governing.
A 2020-to-2023 comparison shows Farmville up by about 2.0%. Use the calculator on this page to price an amount and term before you commit in Farmville. Every figure below is North Carolina's own, applied to Farmville's 4,546 residents, with the publisher and retrieval date attached. The nearest larger metro is Winterville, NC about 12 miles away.
The Farmville data picture
Read the local figures below as context; read the sourced North Carolina table as the rulebook a lender here must follow.
- Population: 4,546 residents; Farmville is the 163rd-largest of 549 places in North Carolina (US Census Bureau, Vintage 2023).
- Population trend: Roughly 2.0% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 87 residents.
- Size percentile: Farmville's 4,546 people outrank roughly 70% of the places in North Carolina.
- Population density: 1,419 people per square mile on 3.2 square miles of land.
- Land area rank: Farmville's 3.2 square miles rank 234th of 549 places in North Carolina.
- Within North Carolina: about 0.1% of the state's population lives in Farmville.
- National rank: Farmville is the 5,099th most populous of the 19,457 Census places covered here.
- Growth rank: Farmville's 2020-to-2023 change ranks 254th of 549 places in North Carolina.
- Versus North Carolina: the state average change is +2.9%, while Farmville moved 2.0%.
- Density in North Carolina: Farmville ranks 82nd by people per square mile.
- Against the state median: Farmville runs about 1,419 residents per square mile, where the North Carolina median is 758.
- Location: 35.5950, -77.5906 (Census Gazetteer coordinates).
- Nearest larger cities: Winterville (12 mi); Greenville (12 mi); Ayden (13 mi); Wilson (21 mi); Tarboro (22 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Fountain (6 mi); Walstonburg (6 mi); Falkland (8 mi).
- Smaller neighbours: 79 places smaller than Farmville sit within 50 miles.
- At 100 miles: 62 larger Census places fall inside that radius.
North Carolina rules behind a Farmville personal loan
For the roughly 4,546 residents of Farmville, the rules below are North Carolina's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
The Farmville borrowing checklist
For Farmville's roughly 4,546 residents, these are the steps that most influence the offer:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the North Carolina regulator's records to confirm the lender is licensed here.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
What differs between Farmville and the rest of North Carolina is not the process but the borrower's own file, among the 4,546 people here.
Inside a Farmville personal loan
With roughly 4,546 residents, Farmville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Farmville. Shortening the term on a Farmville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Farmville in state context
Set beside North Carolina's 549 places, Farmville ranks 163rd by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Farmville stands 254th among North Carolina's 549 places — roughly the 54th percentile. By density, at about 1,419 people per square mile, it ranks 82nd in North Carolina. Between 2020 and 2023 the count changed by roughly 87 residents.
Farmville: area, density and distance
The Census Gazetteer records about 3.2 square miles of land within Farmville, with no significant water area listed. With 4,546 residents, the land area yields roughly 1,419 people per square mile. The state's population centre of gravity, Charlotte, is roughly 184 miles away. Within 50 miles of Farmville there are 18 larger Census places. The 100-mile radius contains 62 larger places.
Common questions
What are my options in Farmville if my credit is poor?
What loan size can I expect in Farmville?
Do I have to pledge anything to borrow in Farmville?
Does comparing loans in Farmville cost me credit score points?
Nearby places
- Fountain, NC — population 391
- Walstonburg, NC — population 195
- Falkland, NC — population 49
- Snow Hill, NC — population 1,470
- Hookerton, NC — population 414
- Macclesfield, NC — population 406
- Saratoga, NC — population 350
- Pinetops, NC — population 1,193