Personal loans in Stem, NC

Local context for Stem

The figures below are Stem's own — Census population, land area and coordinates — followed by the North Carolina rules.

• Population: about 1,015, ranked 334th of 549 places in North Carolina (Census Vintage 2023 subcounty estimate).
• Population trend: About 2.5% above the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a gain of about 25 residents.
• Size percentile: roughly 39% of North Carolina places rank below Stem.
• Land and density: 1.2 square miles of land carry roughly 819 residents per square mile.
• Land area rank: Stem's 1.2 square miles rank 400th of 549 places in North Carolina.
• Within North Carolina: about 0.0% of the state's population lives in Stem.
• National rank: Stem sits 10,133rd by population among the 19,457 places in this dataset.
• Growth rank: Stem ranks 214th among North Carolina's 549 places for the 2020-to-2023 change.
• Versus North Carolina: the state average change is +2.9%, while Stem moved 2.5%.
• Density in North Carolina: Stem ranks 245th by people per square mile.
• Against the state median: Stem runs about 819 residents per square mile, where the North Carolina median is 758.
• Location: 36.1957, -78.7222 (US Census Bureau Gazetteer).
• Nearest larger cities: Butner (4 mi); Creedmoor (5 mi); Oxford (12 mi); Franklinton (16 mi); Youngsville (17 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Kittrell (16 mi); Stovall (19 mi); Virgilina (24 mi).
• Within a 50-mile radius: 20 smaller Census places.
• At 100 miles: 172 larger Census places fall inside that radius.

Stem on the map

Stem's land area is roughly 1.2 square miles, and the Gazetteer records no significant water area within it. With 1,015 residents, the land area yields roughly 819 people per square mile. For the state's biggest city, Charlotte, the distance is roughly 137 miles. A 50-mile radius around Stem takes in 49 places that are larger. The 100-mile radius contains 172 larger places.

What North Carolina law requires in Stem

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

Stem against the rest of North Carolina

Stem is the 334th-largest of 549 Census places in North Carolina and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Stem stands 214th among North Carolina's 549 places — roughly the 61th percentile. At about 819 people per square mile, Stem is the 245th most densely settled place in North Carolina. Between 2020 and 2023 the count changed by roughly 25 residents.

The Stem borrowing checklist

Before you apply in Stem, a community of about 1,015, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the North Carolina regulator's licence records before you sign.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Stem-specific: the same North Carolina licensing and disclosure rules reach all 1,015 residents.

The anatomy of a Stem personal loan

Stem is a small community of about 1,015 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Stem loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Stem loan but raises total interest, so the smallest payment is not the cheapest loan.