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Personal loans in Roxboro, NC

The roughly 8,212 people who live in Roxboro borrow under North Carolina rules; city hall sets no personal-loan rate. The Census counts 8,212 people in Roxboro, the 105th-largest figure among North Carolina's 549 places. A 2020-to-2023 comparison shows Roxboro up by about 1.1%. To lend to Roxboro's 8,212 residents, a company must hold a North Carolina licence, and each sourced row below names the regulator behind it. Pull your credit reports and line up at least three offers before you apply from Roxboro. Borrowers who want a bigger city can look to Oxford, NC about 22 miles away.

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.

Roxboro by the numbers

Most of what governs a Roxboro loan is written in North Carolina law rather than in the city; the sourced notes below make that split concrete.

Borrowing reach in Roxboro

Roxboro is a moderately settled community of about 8,212 people, with 21 larger places inside a 50-mile radius. Lenders licensed in North Carolina reach Roxboro's 8,212 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Oxford, NC about 22 miles away.

Roxboro against the rest of North Carolina

Within North Carolina, Roxboro holds roughly 0.1% of all residents, the 105th-largest share among 549 places. Its 2020-to-2023 change ranks 329th of 549 North Carolina places, putting it near the 40th percentile for growth. Its roughly 1,108 residents per square mile place it 144th among North Carolina's places. Within 50 miles sit 37 smaller Census places, alongside the 21 that are larger.

Where Roxboro sits

Roxboro covers about 7.4 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,108 residents per square mile. For the state's biggest city, Charlotte, the distance is roughly 132 miles. Roxboro has 21 larger places within a 50-mile radius. The 100-mile radius contains 61 larger places.

The state rulebook for Roxboro

For the roughly 8,212 residents of Roxboro, the rules below are North Carolina's own; each row carries its publisher and retrieval date.

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

The anatomy of a Roxboro personal loan

Most loans made to Roxboro's 8,212 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Roxboro can be quoted different APRs on the same amount and term. The term you choose in Roxboro 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 Roxboro 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 Roxboro is the same as anywhere in North Carolina.
What loan size can I expect in Roxboro?
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 Roxboro?
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 Roxboro 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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