Personal loans in Lake Waccamaw, NC

A personal loan in Lake Waccamaw is priced from your credit file and income, not from the fact that the city holds 1,255 people. Population in Lake Waccamaw dropped about 3.2% over the three years from 2020 to 2023.

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.

About 1,255 people live in Lake Waccamaw, placing it 311th of 549 Census places in North Carolina. Use the calculator on this page to price an amount and term before you commit in Lake Waccamaw. Every figure below is North Carolina's own, applied to Lake Waccamaw's 1,255 residents, with the publisher and retrieval date attached. A larger market lies at Whiteville, NC about 11 miles away.

Where Lake Waccamaw stands

Most of what governs a Lake Waccamaw loan is written in North Carolina law rather than in the city; the sourced notes below make that split concrete.

Lender access in Lake Waccamaw

At roughly 447 people per square mile, Lake Waccamaw is lightly settled; 35 larger places lie within 50 miles. Distance to a branch rarely matters for Lake Waccamaw's 1,255 residents: the application is online and the price follows your credit file. The nearest larger city, Whiteville, NC about 11 miles away.

North Carolina rules behind a Lake Waccamaw personal loan

Read the table as a lender's compliance picture for Lake Waccamaw: the rule, the sourced figure, the publisher and the date.

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

Lake Waccamaw against the rest of North Carolina

Lake Waccamaw is the 311th-largest of 549 Census places in North Carolina and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Lake Waccamaw stands 513th among North Carolina's 549 places — roughly the 7th percentile. At about 447 people per square mile, Lake Waccamaw is the 385th most densely settled place in North Carolina. In land area, Lake Waccamaw ranks 273rd among North Carolina's 549 places.

Land, water and location for Lake Waccamaw

Inside Lake Waccamaw's boundaries lie about 2.8 square miles of land, with no significant water area recorded. With 1,255 residents, the land area yields roughly 447 people per square mile. The largest place in North Carolina, Charlotte, lies about 145 miles away. A 50-mile radius around Lake Waccamaw takes in 35 places that are larger. The 100-mile radius contains 110 larger places.

What shapes a Lake Waccamaw personal loan

Most loans made to Lake Waccamaw's 1,255 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Lake Waccamaw can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Lake Waccamaw loan but raises total interest, so the smallest payment is not the cheapest loan.

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

Related