Personal loans in Stonewall, NC
Personal loans in Stonewall are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 216 population.
For a community of about 216, the practical step is to compare APR across at least three lenders before committing. Stonewall is home to roughly 216 people and stands 496th by size out of 549 Census places in North Carolina. Every figure below is North Carolina's own, applied to Stonewall's 216 residents, with the publisher and retrieval date attached. Stonewall gained roughly 2.4% in population across the 2020-to-2023 comparison. The closest larger city is Bayboro, NC about 2 miles away.
The Stonewall data picture
Read the local figures below as context; read the sourced North Carolina table as the rulebook a lender here must follow.
- Population: 216 — Stonewall ranks 496th of 549 communities in North Carolina (US Census Bureau, Vintage 2023).
- Population trend: Up about 2.4% from the 2020 Census base to the 2023 estimate.
- Absolute change: 5 residents added between 2020 and 2023.
- Size percentile: about 10% of North Carolina's Census places are smaller than Stonewall.
- Density: the Census land area of 1.7 sq mi holds about 127 people per square mile.
- Land area rank: Stonewall's 1.7 square miles rank 350th of 549 places in North Carolina.
- Water: Stonewall holds about 0.31 square miles, the 53rd-largest water area in North Carolina.
- Share of North Carolina: Stonewall holds about 0.0% of the state's population, some 216 people.
- National rank: Stonewall is the 16,239th most populous of the 19,457 Census places covered here.
- Growth rank: Stonewall ranks 225th among North Carolina's 549 places for the 2020-to-2023 change.
- Versus North Carolina: the state average change is +2.9%, while Stonewall moved 2.4%.
- Density in North Carolina: Stonewall ranks 527th by people per square mile.
- Density vs North Carolina: Stonewall's 127 people per square mile compare with a state median of 758.
- Location: latitude 35.1388, longitude -76.7415 (Census Gazetteer).
- Nearest larger cities: Bayboro (2 mi); Alliance (4 mi); Grantsboro (6 mi); Vandemere (6 mi); Oriental (8 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Mesic (7 mi); Pantego (31 mi); Bear Grass (49 mi).
- Smaller places within 50 miles: 3 of them.
- Larger places within 100 miles: 150.
What a Stonewall borrower is actually offered
A Stonewall personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 216 residents. Federal Truth in Lending rules require a Stonewall lender to disclose the APR and finance charge before you sign. The term you choose in Stonewall decides the split between a comfortable payment and the total interest you pay.
Where Stonewall sits
The Census Gazetteer records 1.7 square miles of land and 0.31 square miles of water within Stonewall. With 216 residents, the land area yields roughly 127 people per square mile. For the state's biggest city, Charlotte, the distance is roughly 231 miles. Stonewall has 47 larger places within a 50-mile radius. The 100-mile radius contains 150 larger places.
What is available to Stonewall borrowers
Stonewall is lightly settled, with about 127 people per square mile and 47 larger places within 50 miles. Distance to a branch rarely matters for Stonewall's 216 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Bayboro, NC about 2 miles away.
Stonewall in state context
Stonewall is the 496th-largest of 549 Census places in North Carolina and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Stonewall stands 225th among North Carolina's 549 places — roughly the 59th percentile. Its roughly 127 residents per square mile place it 527th among North Carolina's places. The population moved by about 5 people between 2020 and 2023, a 2.4% shift.
The state rulebook for Stonewall
Every row below records a North Carolina rule, its publisher and its retrieval date — the same rules a Stonewall lender must follow.
| 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 |
| Small-loan / installment lender licensing | Consumer Finance Act license from the Commissioner of Banks required for loans of $25,000 or less charging more than Chapter 24 rates Source says: "Direct lenders seeking to charge rates higher than allowed under Chapter 24 on consumer term loans of twenty-five thousand dollars ($25,000) or less" | 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 |
Common questions
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Nearby places
- Bayboro, NC — population 1,026
- Alliance, NC — population 751
- Vandemere, NC — population 251
- Grantsboro, NC — population 712
- Mesic, NC — population 148
- Oriental, NC — population 897
- Arapahoe, NC — population 427
- Aurora, NC — population 451