Personal loans in Jamestown, NC
A 2020-to-2023 comparison shows Jamestown up by about 1.4%. The Census estimates 3,721 residents in Jamestown, which ranks it 186th of 549 places in North Carolina.
The roughly 3,721 people who live in Jamestown borrow under North Carolina rules; city hall sets no personal-loan rate. Price two or three terms so you can see which payment is truly affordable in Jamestown. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Jamestown's 3,721 residents. The nearest larger metro is High Point, NC about 3 miles away.
Borrowing in Jamestown: the local picture
What follows is Jamestown's place in the Census record, alongside the North Carolina rules that govern a personal loan made here.
- Population: an estimated 3,721 residents, 186th of 549 places in North Carolina (Census Vintage 2023 subcounty estimate).
- Population trend: Growth of about 1.4% across the 2020-to-2023 comparison.
- Net change: roughly 52 more people than the 2020 Census counted.
- Size percentile: roughly 66% of North Carolina places rank below Jamestown.
- Land and density: 3.0 square miles of land carry roughly 1,242 residents per square mile.
- Land area rank: Jamestown's 3.0 square miles rank 253rd of 549 places in North Carolina.
- Share of state population: Jamestown's 3,721 residents are about 0.1% of North Carolina.
- National rank: Jamestown is the 5,647th most populous of the 19,457 Census places covered here.
- Growth rank: Jamestown ranks 301st among North Carolina's 549 places for the 2020-to-2023 change.
- Against the state trend: Jamestown's 1.4% change compares with a North Carolina average of +2.9% across its 549 places.
- Density in North Carolina: Jamestown ranks 114th by people per square mile.
- Density in context: Jamestown's 1,242 people per square mile sit against a North Carolina median of 758.
- Location: coordinates 35.9984, -79.9346 (US Census Bureau Gazetteer).
- Nearest larger cities: High Point (3 mi); Archdale (7 mi); Greensboro (9 mi); Trinity (9 mi); Pleasant Garden (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Wallburg (13 mi); Sedalia (18 mi); Whitsett (21 mi).
- Smaller neighbours: 49 places smaller than Jamestown sit within 50 miles.
- At 100 miles: 146 larger Census places fall inside that radius.
Where Jamestown sits in North Carolina
Within North Carolina, Jamestown holds roughly 0.1% of all residents, the 186th-largest share among 549 places. On the 2020-to-2023 trend, Jamestown stands 301st among North Carolina's 549 places — roughly the 45th percentile. By density, at about 1,242 people per square mile, it ranks 114th in North Carolina. By land area, its 3.0 square miles rank 253rd of 549 places in North Carolina.
Where Jamestown sits
Jamestown's land area is roughly 3.0 square miles, and the Gazetteer records no significant water area within it. With 3,721 residents, the land area yields roughly 1,242 people per square mile. The largest place in North Carolina, Charlotte, lies about 74 miles away. Jamestown has 37 larger places within a 50-mile radius. Within the same 50 miles lie 49 smaller Census places.
How lenders reach Jamestown
Jamestown is a moderately settled community of about 3,721 people, with 37 larger places inside a 50-mile radius. Distance to a branch rarely matters for Jamestown's 3,721 residents: the application is online and the price follows your credit file. For a larger market, the closest option is High Point, NC about 3 miles away.
What North Carolina law requires in Jamestown
When North Carolina does not publish a figure, the row links to the source instead of inventing a number; Jamestown is bound by the same rules.
| 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 |
What shapes a Jamestown personal loan
With roughly 3,721 residents, Jamestown is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Jamestown loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Jamestown loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- High Point, NC — population 116,926
- Archdale, NC — population 12,084
- Trinity, NC — population 7,155
- Greensboro, NC — population 302,296
- Kernersville, NC — population 28,016
- Oak Ridge, NC — population 7,776
- Pleasant Garden, NC — population 5,057
- Thomasville, NC — population 27,435