Personal loans in Richfield, NC

The Census counts 604 people in Richfield, the 395th-largest figure among North Carolina's 549 places. The 2020 count to the 2023 estimate shows about 4.1% growth in Richfield.

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.

Richfield is a small community in North Carolina, with an estimated 604 residents, and every licensed lender here follows the same state rulebook. Lenders active in Richfield report to a North Carolina supervisor, identified in the sourced rows below. Verify the lender's North Carolina licence against the regulator named below before borrowing in Richfield. A larger market lies at New London, NC about 3 miles away.

Where Richfield stands

Only a few things actually differ by place — population, area, location, and the North Carolina rules a lender must follow — and they are below.

How a Richfield personal loan is priced

A Richfield personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 604 residents. Federal Truth in Lending rules require a Richfield lender to disclose the APR and finance charge before you sign. Shortening the term on a Richfield loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Richfield: area, density and distance

Inside Richfield's boundaries lie roughly 2.4 square miles of land and 0.02 square miles of water. With 604 residents, the land area yields roughly 249 people per square mile. For the state's biggest city, Charlotte, the distance is roughly 37 miles. A 50-mile radius around Richfield takes in 93 places that are larger. By land area it ranks 295th of 549 North Carolina places.

Lender access in Richfield

Richfield is lightly settled, with about 249 people per square mile and 93 larger places within 50 miles. Lenders licensed in North Carolina reach Richfield's 604 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is New London, NC about 3 miles away.

What to do before borrowing in Richfield

A sensible order of operations for a loan in Richfield, home to about 604 people:

  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. Shop at least three lenders and judge them on APR and total cost.
  4. Verify the lender's North Carolina licence with the regulator listed on this page.
  5. Be clear on what the loan is for and how it gets repaid.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Richfield as elsewhere in North Carolina, the written terms — not the advertisement — are what count for its 604 residents.

North Carolina consumer-lending rules applied in Richfield

These are North Carolina's sourced lending facts as they reach Richfield's 604 residents; the state has no city-level rate rule.

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

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