Personal loans in Richlands, NC

The Census estimates 2,415 residents in Richlands, which ranks it 236th of 549 places in North Carolina. A personal loan in Richlands is priced from your credit file and income, not from the fact that the city holds 2,415 people.

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.

The 2020 count to the 2023 estimate shows about 5.6% growth in Richlands. If debt is already a strain, a nonprofit credit counsellor can help Richlands residents before they take on more. A single loan can carry different costs on either side of a state line, and Richlands sits on the North Carolina side of that line. The nearest larger city is Jacksonville, NC about 15 miles away.

Borrowing in Richlands: the local picture

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

Which North Carolina laws govern a loan in Richlands

When North Carolina does not publish a figure, the row links to the source instead of inventing a number; Richlands is bound by the same rules.

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

How lenders reach Richlands

At roughly 1,463 people per square mile, Richlands is moderately settled; 25 larger places lie within 50 miles. What is available to Richlands's 2,415 borrowers is set by North Carolina licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Jacksonville, NC about 15 miles away.

Richlands: area, density and distance

Richlands covers about 1.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,463 people per square mile. The largest place in North Carolina, Charlotte, lies about 187 miles away. Within 50 miles of Richlands there are 25 larger Census places. The 100-mile radius contains 86 larger places.

Richlands's place among North Carolina's 549 places

Against North Carolina's other places, Richlands accounts for about 0.0% of the state's population and ranks 236th of 549 by size. For population change between 2020 and 2023, Richlands ranks 94th of 549 in North Carolina (about the 83th percentile). Its roughly 1,463 residents per square mile place it 77th among North Carolina's places. Within 50 miles sit 46 smaller Census places, alongside the 25 that are larger.

How personal loans work in Richlands

Most loans made to Richlands's 2,415 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Richlands's rank of 236th in North Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Richlands decides the split between a comfortable payment and the total interest you pay.

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