Personal loans in Grimesland, NC

The roughly 399 people who live in Grimesland borrow under North Carolina rules; city hall sets no personal-loan rate. The Census counts 399 people in Grimesland, the 446th-largest figure among North Carolina's 549 places.

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

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The 2020 count to the 2023 estimate shows about 2.3% growth in Grimesland. Price two or three terms so you can see which payment is truly affordable in Grimesland. The closest larger city is Simpson, NC about 5 miles away. Which products a lender may offer to Grimesland's 399 residents follows from the North Carolina consumer-lending framework.

Local context for Grimesland

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

Population: the Census counts 399 residents in Grimesland (Vintage 2023 subcounty estimate), the 446th-largest figure among North Carolina's 549 places.
Population trend: Roughly 2.3% more residents than the 2020 Census counted.
Net change: roughly 9 more people than the 2020 Census counted.
Size percentile: with 399 residents, Grimesland is larger than about 19% of North Carolina's Census places.
Density: the Census land area of 0.7 sq mi holds about 587 people per square mile.
Land area: Grimesland covers 0.7 square miles, the 487th-largest area among North Carolina's 549 places.
State share: roughly 0.0% of North Carolina's residents live in Grimesland (399 people).
Nationally: Grimesland is the 14,110th-largest of 19,457 Census places in the dataset.
Growth rank: Grimesland's 2020-to-2023 change ranks 231st of 549 places in North Carolina.
State comparison: North Carolina's places average +2.9% for 2020-to-2023, against Grimesland's 2.3%.
Density in North Carolina: Grimesland ranks 336th by people per square mile.
Density vs North Carolina: Grimesland's 587 people per square mile compare with a state median of 758.
Location: 35.5671, -77.1982 (US Census Bureau Gazetteer).
Nearest larger cities: Simpson (5 mi); Chocowinity (7 mi); Washington (8 mi); Greenville (10 mi); Winterville (12 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller places: Washington Park (10 mi); Bear Grass (14 mi); Parmele (19 mi).
Smaller neighbours: 31 places smaller than Grimesland sit within 50 miles.
At 100 miles: 174 larger Census places fall inside that radius.

Grimesland: area, density and distance

Grimesland covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 587 people per square mile. The largest place in North Carolina, Charlotte, lies about 206 miles away. A 50-mile radius around Grimesland takes in 57 places that are larger. By land area it ranks 487th of 549 North Carolina places.

Lender access in Grimesland

With about 587 residents per square mile, Grimesland is moderately settled, and 57 larger Census places sit within 50 miles. A North Carolina licence lets a lender serve Grimesland without a local office, so branch density does not change what its 399 residents are offered. For a larger market, the closest option is Simpson, NC about 5 miles away.

Inside a Grimesland personal loan

Grimesland is a small community of about 399 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Grimesland loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Grimesland loan is knowable in advance — unlike a revolving card balance.

North Carolina rules behind a Grimesland personal loan

For the roughly 399 residents of Grimesland, 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

Grimesland's place among North Carolina's 549 places

Against North Carolina's other places, Grimesland accounts for about 0.0% of the state's population and ranks 446th of 549 by size. For population change between 2020 and 2023, Grimesland ranks 231st of 549 in North Carolina (about the 58th percentile). At about 587 people per square mile, Grimesland is the 336th most densely settled place in North Carolina. Between 2020 and 2023 the count changed by roughly 9 residents.

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Common questions

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

What loan size can I expect in Grimesland?

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 Grimesland?

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 Grimesland 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

Simpson, NC — population 401
Chocowinity, NC — population 749
Washington, NC — population 9,683
Washington Park, NC — population 382
Greenville, NC — population 90,053
Winterville, NC — population 10,821
Bear Grass, NC — population 84
Ayden, NC — population 5,092