Personal loans in Swansboro, NC

Swansboro is a small community in North Carolina, with an estimated 4,137 residents, and every licensed lender here follows the same state rulebook.

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.

About 4,137 people live in Swansboro, placing it 176th of 549 Census places in North Carolina. The nearest larger city is Jacksonville, NC about 15 miles away. Swansboro added about 10.6% to its population between the 2020 base and the 2023 estimate. Lenders active in Swansboro report to a North Carolina supervisor, identified in the sourced rows below. Begin with the payment, then weigh APR and total interest across the lenders that reach Swansboro's 4,137 residents.

Swansboro: the sourced local profile

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

How lenders reach Swansboro

With about 1,851 residents per square mile, Swansboro is moderately settled, and 9 larger Census places sit within 50 miles. A North Carolina licence lets a lender serve Swansboro without a local office, so branch density does not change what its 4,137 residents are offered. The nearest larger city, Jacksonville, NC about 15 miles away.

Swansboro: area, density and distance

Swansboro covers about 2.2 square miles of land, with 0.14 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,851 people per square mile. The largest place in North Carolina, Charlotte, lies about 212 miles away. Counting outward 50 miles, 9 larger communities surround Swansboro. The 100-mile radius contains 41 larger places.

How a Swansboro personal loan is priced

Most loans made to Swansboro's 4,137 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Swansboro. The term you choose in Swansboro decides the split between a comfortable payment and the total interest you pay.

Which North Carolina laws govern a loan in Swansboro

North Carolina has no separate rate rule for Swansboro; the sourced rows below are what reach every lender that serves its 4,137 people.

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
Small-loan / installment lender licensingConsumer 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

How Swansboro compares across North Carolina

Within North Carolina, Swansboro holds roughly 0.1% of all residents, the 176th-largest share among 549 places. On the 2020-to-2023 trend, Swansboro stands 46th among North Carolina's 549 places — roughly the 92th percentile. By density, at about 1,851 people per square mile, it ranks 38th in North Carolina. The population moved by about 395 people between 2020 and 2023, a 10.6% shift.

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