Personal loans in Lawndale, NC

When North Carolina caps or restricts a product, lenders either change the terms or withdraw it from Lawndale as from the rest of the state. By population, Lawndale sits at 407th in North Carolina, with an estimated 577 residents.

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.

Personal loans in Lawndale are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 577 population. The trend for Lawndale between 2020 and 2023 is upward by roughly 0.9%. Read the disclosure for an origination fee and any prepayment penalty before signing in Lawndale. The next larger city is Fallston, NC about 4 miles away.

What the Census records for Lawndale

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

How Lawndale compares across North Carolina

Against North Carolina's other places, Lawndale accounts for about 0.0% of the state's population and ranks 407th of 549 by size. For population change between 2020 and 2023, Lawndale ranks 347th of 549 in North Carolina (about the 37th percentile). By density, at about 715 people per square mile, it ranks 290th in North Carolina. In land area, Lawndale ranks 469th among North Carolina's 549 places.

What to do before borrowing in Lawndale

Before you apply in Lawndale, a community of about 577, work through these steps:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Look the lender up in the North Carolina regulator's licence records before you sign.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Lawndale as elsewhere in North Carolina, the written terms — not the advertisement — are what count for its 577 residents.

North Carolina consumer-lending rules applied in Lawndale

The rows below set out what a licensed lender must follow in North Carolina, and so for Lawndale's roughly 577 residents.

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

Land, water and location for Lawndale

Lawndale covers about 0.8 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 715 residents per square mile. The largest place in North Carolina, Charlotte, lies about 44 miles away. Within 50 miles of Lawndale there are 85 larger Census places. By land area it ranks 469th of 549 North Carolina places.

Getting a loan in Lawndale

Lawndale is moderately settled, with about 715 people per square mile and 85 larger places within 50 miles. What is available to Lawndale's 577 borrowers is set by North Carolina licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Fallston, NC about 4 miles away.

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