Personal loans in Stantonsburg, NC
Stantonsburg shed about 0.3% of its population between the 2020 base and the 2023 estimate. Stantonsburg, North Carolina — home to about 757 people — is a small community, so the terms you are offered follow North Carolina law rather than any local rule. About 757 people live in Stantonsburg, placing it 367th of 549 Census places in North Carolina. A larger market lies at Fremont, NC about 10 miles away. Which products a lender may offer to Stantonsburg's 757 residents follows from the North Carolina consumer-lending framework. Pull your credit reports and line up at least three offers before you apply from Stantonsburg.
The Stantonsburg data picture
Two layers matter for a Stantonsburg borrower: the local population picture and North Carolina's consumer-lending statutes.
- Population: the Census counts 757 residents in Stantonsburg (Vintage 2023 subcounty estimate), the 367th-largest figure among North Carolina's 549 places.
- Population trend: Down about 0.3% from the 2020 Census base to the 2023 estimate.
- Absolute change: 2 residents lost between 2020 and 2023.
- Size percentile: with 757 residents, Stantonsburg is larger than about 33% of North Carolina's Census places.
- Density: the Census land area of 0.6 sq mi holds about 1,217 people per square mile.
- By land area: Stantonsburg ranks 497th among North Carolina's 549 places, at 0.6 sq mi.
- Within North Carolina: about 0.0% of the state's population lives in Stantonsburg.
- National standing: Stantonsburg ranks 11,427th of 19,457 US places.
- Growth rank: Stantonsburg's 2020-to-2023 change ranks 430th of 549 places in North Carolina.
- Against the state trend: Stantonsburg's 0.3% change compares with a North Carolina average of +2.9% across its 549 places.
- Density rank: Stantonsburg places 119th among North Carolina's places by people per square mile.
- Density in context: Stantonsburg's 1,217 people per square mile sit against a North Carolina median of 758.
- Location: it lies at 35.6052, -77.8191 in the Census Gazetteer.
- Nearest larger cities: Fremont (10 mi); Wilson (11 mi); Lucama (11 mi); Farmville (13 mi); Snow Hill (13 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Saratoga (4 mi); Black Creek (7 mi); Walstonburg (7 mi).
- Within a 50-mile radius: 37 smaller Census places.
- At 100 miles: 167 larger Census places fall inside that radius.
North Carolina rules behind a Stantonsburg personal loan
For the roughly 757 residents of Stantonsburg, the rules below are North Carolina's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| 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 |
How Stantonsburg compares across North Carolina
Stantonsburg is the 367th-largest of 549 Census places in North Carolina and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Stantonsburg stands 430th among North Carolina's 549 places — roughly the 22th percentile. By density, at about 1,217 people per square mile, it ranks 119th in North Carolina. By land area, its 0.6 square miles rank 497th of 549 places in North Carolina.
Steps to take before a Stantonsburg loan
Complete these steps first when you borrow in Stantonsburg (757 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the North Carolina regulator's licence list.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
In Stantonsburg as elsewhere in North Carolina, the written terms — not the advertisement — are what count for its 757 residents.
The anatomy of a Stantonsburg personal loan
A Stantonsburg personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 757 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Stantonsburg. A longer term lowers the monthly payment on a Stantonsburg loan but raises total interest, so the smallest payment is not the cheapest loan.
What is available to Stantonsburg borrowers
Stantonsburg is a moderately settled community of about 757 people, with 58 larger places inside a 50-mile radius. Distance to a branch rarely matters for Stantonsburg's 757 residents: the application is online and the price follows your credit file. The nearest bigger place is Fremont, NC about 10 miles away.
Common questions
What are my options in Stantonsburg if my credit is poor?
What loan size can I expect in Stantonsburg?
Do I have to pledge anything to borrow in Stantonsburg?
Does comparing loans in Stantonsburg cost me credit score points?
Nearby places
- Saratoga, NC — population 350
- Black Creek, NC — population 690
- Walstonburg, NC — population 195
- Fremont, NC — population 1,199
- Wilson, NC — population 47,833
- Lucama, NC — population 1,046
- Fountain, NC — population 391
- Pikeville, NC — population 719