Personal loans in Mint Hill, NC
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Mint Hill's 27,815 residents. With roughly 27,815 residents, Mint Hill is a smaller city, and the lending rules its borrowers live under are written in North Carolina, not by the city. Mint Hill is one of 549 Census places in North Carolina; its 27,815 residents put it at 41st. Mint Hill added about 5.2% to its population between the 2020 base and the 2023 estimate. Judge Mint Hill offers on total cost, not on how quickly the money arrives. The next larger city is Matthews, NC about 5 miles away.
What the Census records for Mint Hill
What follows is Mint Hill's place in the Census record, alongside the North Carolina rules that govern a personal loan made here.
- Population: 27,815 people, a figure that places Mint Hill 41st among the 549 Census places in North Carolina (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 5.2% across the 2020-to-2023 comparison.
- Net change: roughly 1,368 more people than the 2020 Census counted.
- Size percentile: roughly 93% of North Carolina's places have fewer residents than Mint Hill's 27,815.
- Density: roughly 1,131 residents per square mile, spread over 24.6 sq mi of land.
- Land area: Mint Hill covers 24.6 square miles, the 32nd-largest area among North Carolina's 549 places.
- Water: Mint Hill holds about 0.23 square miles, the 65th-largest water area in North Carolina.
- Share of North Carolina: Mint Hill holds about 0.4% of the state's population, some 27,815 people.
- National rank: Mint Hill is 1,407th of 19,457 places nationwide.
- Growth rank: Mint Hill ranks 101st among North Carolina's 549 places for the 2020-to-2023 change.
- Versus North Carolina: the state average change is +2.9%, while Mint Hill moved 5.2%.
- Density rank: Mint Hill places 138th among North Carolina's places by people per square mile.
- Density vs North Carolina: Mint Hill's 1,131 people per square mile compare with a state median of 758.
- Location: coordinates 35.1785, -80.6557 (US Census Bureau Gazetteer).
- Nearest larger cities: Matthews (5 mi); Indian Trail (8 mi); Charlotte (10 mi); Monroe (13 mi); Concord (15 mi). Online lenders reach Mint Hill no matter how far the nearest branch is.
- Smaller places close by: Stallings (5 mi); Hemby Bridge (5 mi); Lake Park (7 mi).
- Smaller places within 50 miles: 92 of them.
- At 100 miles: 29 larger Census places fall inside that radius.
Mint Hill in state context
Mint Hill is the 41st-largest of 549 Census places in North Carolina and contains about 0.4% of the state's people. For population change between 2020 and 2023, Mint Hill ranks 101st of 549 in North Carolina (about the 82th percentile). Its roughly 1,131 residents per square mile place it 138th among North Carolina's places. Between 2020 and 2023 the count changed by roughly 1,368 residents.
The North Carolina lending rules that reach Mint Hill
North Carolina has no separate rate rule for Mint Hill; the sourced rows below are what reach every lender that serves its 27,815 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 |
| Payday lending status | Payday lenders shut down in North Carolina; online payday lending remains an enforcement target Source says: "Payday Lenders: Shut Down In NC, But Still Victimizing Borrowers Online" | North Carolina Department of Justice (Office of the Attorney General) 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 |
How a Mint Hill personal loan is priced
In Mint Hill, a smaller city of about 27,815, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Mint Hill can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Mint Hill loan is knowable in advance — unlike a revolving card balance.
Mint Hill: area, density and distance
Mint Hill covers about 24.6 square miles of land, with 0.23 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,131 people per square mile. For the state's biggest city, Charlotte, the distance is roughly 10 miles. Mint Hill has 14 larger places within a 50-mile radius. The 100-mile radius contains 29 larger places.
Lender access in Mint Hill
With about 1,131 residents per square mile, Mint Hill is moderately settled, and 14 larger Census places sit within 50 miles. Distance to a branch rarely matters for Mint Hill's 27,815 residents: the application is online and the price follows your credit file. The nearest bigger place is Matthews, NC about 5 miles away.
Common questions
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Nearby places
- Stallings, NC — population 17,212
- Hemby Bridge, NC — population 1,711
- Matthews, NC — population 30,934
- Lake Park, NC — population 3,504
- Indian Trail, NC — population 42,854
- Harrisburg, NC — population 19,883
- Fairview, NC — population 3,699
- Midland, NC — population 4,930