Personal loans in Maysville, NC
In Maysville, one of 549 Census places in North Carolina, the figure to compare across lenders is the APR, not the advertised rate. Maysville is one of 549 Census places in North Carolina; its 841 residents put it at 355th.
For a bigger market, look to River Bend, NC about 12 miles away. A 2020-to-2023 comparison shows Maysville up by about 2.3%. State law, not city hall, decides what a lender may do to Maysville's roughly 841 residents, and a state regulator supervises it. Compare APR, not the interest rate, because the APR folds in most fees on a Maysville loan.
Maysville by the numbers
The figures below are Maysville's own — Census population, land area and coordinates — followed by the North Carolina rules.
- Population: the Census counts 841 residents in Maysville (Vintage 2023 subcounty estimate), the 355th-largest figure among North Carolina's 549 places.
- Population trend: About 2.3% above the 2020 Census base.
- People gained or lost: about 19 more since the 2020 base.
- Size percentile: about 35% of North Carolina communities are smaller than Maysville (841 residents).
- Population density: 982 people per square mile on 0.9 square miles of land.
- Land area: Maysville covers 0.9 square miles, the 464th-largest area among North Carolina's 549 places.
- Share of North Carolina: Maysville holds about 0.0% of the state's population, some 841 people.
- Nationally: Maysville is the 10,968th-largest of 19,457 Census places in the dataset.
- Growth rank: Maysville ranks 230th among North Carolina's 549 places for the 2020-to-2023 change.
- State comparison: North Carolina's places average +2.9% for 2020-to-2023, against Maysville's 2.3%.
- Density rank: Maysville places 183rd among North Carolina's places by people per square mile.
- Density vs North Carolina: Maysville's 982 people per square mile compare with a state median of 758.
- Location: it lies at 34.9071, -77.2320 in the Census Gazetteer.
- Nearest larger cities: River Bend (12 mi); Trent Woods (14 mi); Jacksonville (15 mi); Swansboro (16 mi); New Bern (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Pollocksville (7 mi); Trenton (13 mi); Peletier (15 mi).
- Smaller neighbours: 30 places smaller than Maysville sit within 50 miles.
- At 100 miles: 115 larger Census places fall inside that radius.
Maysville: area, density and distance
Maysville covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 982 people per square mile. The state's population centre of gravity, Charlotte, is roughly 205 miles away. Maysville has 36 larger places within a 50-mile radius. By land area it ranks 464th of 549 North Carolina places.
What North Carolina law requires in Maysville
North Carolina has no separate rate rule for Maysville; the sourced rows below are what reach every lender that serves its 841 people.
| 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 |
A pre-application checklist for Maysville
Complete these steps first when you borrow in Maysville (841 residents):
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the North Carolina licence with the regulator named above before committing.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
In Maysville as elsewhere in North Carolina, the written terms — not the advertisement — are what count for its 841 residents.
How lenders reach Maysville
Maysville is a moderately settled community of about 841 people, with 36 larger places inside a 50-mile radius. What is available to Maysville's 841 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 River Bend, NC about 12 miles away.
How a Maysville personal loan is priced
With roughly 841 residents, Maysville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Maysville's 841 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Maysville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Pollocksville, NC — population 271
- River Bend, NC — population 2,921
- Trenton, NC — population 241
- Trent Woods, NC — population 4,106
- Swansboro, NC — population 4,137
- Jacksonville, NC — population 72,879
- Peletier, NC — population 791
- New Bern, NC — population 32,226