Personal loans in Washington Park, NC

The first question in Washington Park is not the rate on offer but whether the payment fits; about 382 people live here under North Carolina lending law.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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Population in Washington Park dropped about 2.1% over the three years from 2020 to 2023. Roughly 382 residents live in Washington Park, the 454th-largest community in North Carolina. Use the calculator on this page to price an amount and term before you commit in Washington Park. Every figure below is North Carolina's own, applied to Washington Park's 382 residents, with the publisher and retrieval date attached. The closest larger city is Washington, NC about 2 miles away.

What the Census records for Washington Park

Set out below is Washington Park's local context next to the state-level rules that reach every lender here.

Population: 382 people, a figure that places Washington Park 454th among the 549 Census places in North Carolina (US Census Bureau, Vintage 2023).
Population trend: A decline of about 2.1% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a loss of about 8 residents.
Size percentile: Washington Park sits ahead of around 17% of North Carolina places, at 382 people.
Land and density: 0.3 square miles of land carry roughly 1,447 residents per square mile.
Land area rank: Washington Park's 0.3 square miles rank 539th of 549 places in North Carolina.
Within North Carolina: about 0.0% of the state's population lives in Washington Park.
National rank: Washington Park is the 14,272nd most populous of the 19,457 Census places covered here.
Growth rank: Washington Park ranks 491st among North Carolina's 549 places for the 2020-to-2023 change.
Versus North Carolina: the state average change is +2.9%, while Washington Park moved 2.1%.
Density in North Carolina: Washington Park ranks 79th by people per square mile.
Density vs North Carolina: Washington Park's 1,447 people per square mile compare with a state median of 758.
Location: latitude 35.5329, longitude -77.0316 (Census Gazetteer).
Nearest larger cities: Washington (2 mi); Chocowinity (4 mi); Grimesland (10 mi); Simpson (14 mi); Vanceboro (17 mi). Living near a larger metro rarely changes what is available in Washington Park.
Nearest smaller towns: Bath (13 mi); Bear Grass (17 mi); Pantego (21 mi).
Smaller neighbours: 28 places smaller than Washington Park sit within 50 miles.
Within 100 miles: 162 places are larger than Washington Park.

Borrowing reach in Washington Park

Washington Park is a moderately settled community of about 382 people, with 47 larger places inside a 50-mile radius. What is available to Washington Park's 382 borrowers is set by North Carolina licensing and your own credit, not by how many branches are nearby. The nearest larger city, Washington, NC about 2 miles away.

How Washington Park compares across North Carolina

Against North Carolina's other places, Washington Park accounts for about 0.0% of the state's population and ranks 454th of 549 by size. Its 2020-to-2023 change ranks 491st of 549 North Carolina places, putting it near the 11th percentile for growth. At about 1,447 people per square mile, Washington Park is the 79th most densely settled place in North Carolina. By land area, its 0.3 square miles rank 539th of 549 places in North Carolina.

What to do before borrowing in Washington Park

Before you apply in Washington Park, a community of about 382, work through these steps:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Verify the lender's North Carolina licence with the regulator listed on this page.
Look for an origination fee or prepayment penalty in the written disclosure.
Test the payment against your current bills before you commit.
Pick the shortest term whose payment you can comfortably afford.

What differs between Washington Park and the rest of North Carolina is not the process but the borrower's own file, among the 382 people here.

What shapes a Washington Park personal loan

With roughly 382 residents, Washington Park is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Washington Park's rank of 454th in North Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Washington Park loan but raises total interest, so the smallest payment is not the cheapest loan.

North Carolina rules behind a Washington Park personal loan

Read the table as a lender's compliance picture for Washington Park: the rule, the sourced figure, the publisher and the 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

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Common questions

What are my options in Washington Park 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 Washington Park is the same as anywhere in North Carolina.

What loan size can I expect in Washington Park?

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 Washington Park?

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 Washington Park 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.

Nearby places

Washington, NC — population 9,683
Chocowinity, NC — population 749
Grimesland, NC — population 399
Bath, NC — population 242
Simpson, NC — population 401
Bear Grass, NC — population 84
Vanceboro, NC — population 877
Jamesville, NC — population 410