Personal loans in Fontana Dam, NC

Roughly 11 residents live in Fontana Dam, the 549th-largest community in North Carolina.

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.

With roughly 11 residents, Fontana Dam is a small community, and the lending rules its borrowers live under are written in North Carolina, not by the city. Pull your credit reports and line up at least three offers before you apply from Fontana Dam. To lend to Fontana Dam's 11 residents, a company must hold a North Carolina licence, and each sourced row below names the regulator behind it. For practical purposes, Fontana Dam's population was stable from the 2020 base to the 2023 estimate. The nearest larger city is Lake Santeetlah, NC about 5 miles away.

Local context for Fontana Dam

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

What North Carolina law requires in Fontana Dam

Every row below records a North Carolina rule, its publisher and its retrieval date — the same rules a Fontana Dam 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
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

Inside a Fontana Dam personal loan

A Fontana Dam personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 11 residents. Federal Truth in Lending rules require a Fontana Dam lender to disclose the APR and finance charge before you sign. Shortening the term on a Fontana Dam loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Fontana Dam

Fontana Dam is a sparsely settled community of about 11 people, with 58 larger places inside a 50-mile radius. What is available to Fontana Dam's 11 borrowers is set by North Carolina licensing and your own credit, not by how many branches are nearby. The nearest larger city, Lake Santeetlah, NC about 5 miles away.

Fontana Dam in state context

Within North Carolina, Fontana Dam holds roughly 0.0% of all residents, the 549th-largest share among 549 places. For population change between 2020 and 2023, Fontana Dam ranks 415th of 549 in North Carolina (about the 24th percentile). Its roughly 18 residents per square mile place it 549th among North Carolina's places. Within 50 miles sit 0 smaller Census places, alongside the 58 that are larger.

Steps to take before a Fontana Dam loan

For Fontana Dam's roughly 11 residents, these are the steps that most influence the offer:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the North Carolina regulator's licence list.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Write down the purpose of the loan and your repayment plan before you apply.

In Fontana Dam as elsewhere in North Carolina, the written terms — not the advertisement — are what count for its 11 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 Fontana Dam 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 Fontana Dam is the same as anywhere in North Carolina.
What loan size can I expect in Fontana Dam?
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 Fontana Dam?
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 Fontana Dam 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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