Personal loans in Washington, NC
Washington is a small town of about 9,683 residents, and a personal loan taken out here is governed by North Carolina statute. Which products a lender may offer to Washington's 9,683 residents follows from the North Carolina consumer-lending framework. The Census estimates 9,683 residents in Washington, which ranks it 93rd of 549 places in North Carolina. Price two or three terms so you can see which payment is truly affordable in Washington. From the 2020 Census base to the 2023 estimate, the population declined by about 2.1%. The nearest larger metro is Greenville, NC about 18 miles away.
Local context for Washington
What follows is Washington's place in the Census record, alongside the North Carolina rules that govern a personal loan made here.
- Population: an estimated 9,683 residents, 93rd of 549 places in North Carolina (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 2.1% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 204 residents.
- Size percentile: Washington's 9,683 people outrank roughly 83% of the places in North Carolina.
- Density: roughly 1,182 residents per square mile, spread over 8.2 sq mi of land.
- Land area: Washington covers 8.2 square miles, the 112th-largest area among North Carolina's 549 places.
- Water area rank: Washington ranks 30th among North Carolina's 549 places, with 0.83 sq mi.
- Share of North Carolina: Washington holds about 0.2% of the state's population, some 9,683 people.
- Nationally: Washington is the 3,227th-largest of 19,457 Census places in the dataset.
- Growth in North Carolina: Washington stands 492nd by percentage change from 2020 to 2023, among 549 places.
- Versus North Carolina: the state average change is +2.9%, while Washington moved 2.1%.
- Density rank: Washington places 127th among North Carolina's places by people per square mile.
- Density in context: Washington's 1,182 people per square mile sit against a North Carolina median of 758.
- Location: latitude 35.5580, longitude -77.0542 (Census Gazetteer).
- Nearest larger cities: Greenville (18 mi); Winterville (20 mi); New Bern (32 mi); Kinston (36 mi); Tarboro (37 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Washington Park (2 mi); Chocowinity (4 mi); Grimesland (8 mi).
- Within a 50-mile radius: 71 smaller Census places.
- Larger places within 100 miles: 26.
Lender access in Washington
At roughly 1,182 people per square mile, Washington is moderately settled; 6 larger places lie within 50 miles. What is available to Washington's 9,683 borrowers is set by North Carolina licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Greenville, NC about 18 miles away.
Which North Carolina laws govern a loan in Washington
For the roughly 9,683 residents of Washington, 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 |
| 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 |
Land, water and location for Washington
Washington covers about 8.2 square miles of land, with 0.83 square miles of water inside its boundaries (Census Gazetteer). With 9,683 residents, the land area yields roughly 1,182 people per square mile. Charlotte, the largest place in North Carolina, is about 214 miles from Washington. Washington has 6 larger places within a 50-mile radius. The 100-mile radius contains 26 larger places.
How a Washington personal loan is priced
With roughly 9,683 residents, Washington is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Washington. Shortening the term on a Washington loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Washington sits in North Carolina
Against North Carolina's other places, Washington accounts for about 0.2% of the state's population and ranks 93rd of 549 by size. Its 2020-to-2023 change ranks 492nd of 549 North Carolina places, putting it near the 10th percentile for growth. By density, at about 1,182 people per square mile, it ranks 127th in North Carolina. The population moved by about 204 people between 2020 and 2023, a 2.1% shift.
Common questions
What are my options in Washington if my credit is poor?
What loan size can I expect in Washington?
Do I have to pledge anything to borrow in Washington?
Does comparing loans in Washington cost me credit score points?
Nearby places
- Washington Park, NC — population 382
- Chocowinity, NC — population 749
- Grimesland, NC — population 399
- Bear Grass, NC — population 84
- Simpson, NC — population 401
- Bath, NC — population 242
- Vanceboro, NC — population 877
- Williamston, NC — population 5,051