Personal loans in Woodland, NC

A lender serving Woodland holds a North Carolina licence and answers to a North Carolina regulator; no city office is involved for its 530 residents.

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

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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.

The Census counts 530 people in Woodland, the 416th-largest figure among North Carolina's 549 places. The nearest larger metro is Rich Square, NC about 5 miles away. Population in Woodland dropped about 5.2% over the three years from 2020 to 2023. A single loan can carry different costs on either side of a state line, and Woodland sits on the North Carolina side of that line. Verify the lender's North Carolina licence against the regulator named below before borrowing in Woodland.

Borrowing in Woodland: the local picture

What follows is Woodland's place in the Census record, alongside the North Carolina rules that govern a personal loan made here.

North Carolina rules behind a Woodland personal loan

For the roughly 530 residents of Woodland, the rules below are North Carolina's own; each row carries its publisher and retrieval date.

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
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
Maximum legal interest rate (usury cap)For loans of $25,000 or less: greater of the 6-month U.S. Treasury bill rate + 6% or 16% (G.S. 24-1.1(c)); any agreed rate above $25,000
Source says: "plus six percent (6%), rounded upward or downward ... or sixteen percent (16%), whichever is greater"		North Carolina General Assembly
as of 2026-09-16

Lender access in Woodland

With about 423 residents per square mile, Woodland is lightly settled, and 39 larger Census places sit within 50 miles. What is available to Woodland's 530 borrowers is set by North Carolina licensing and your own credit, not by how many branches are nearby. The nearest larger city, Rich Square, NC about 5 miles away.

Woodland: area, density and distance

Woodland covers about 1.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 530 residents, the land area yields roughly 423 people per square mile. For the state's biggest city, Charlotte, the distance is roughly 217 miles. Woodland has 39 larger places within a 50-mile radius. By land area it ranks 398th of 549 North Carolina places.

Woodland against the rest of North Carolina

Woodland is the 416th-largest of 549 Census places in North Carolina and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Woodland stands 538th among North Carolina's 549 places — roughly the 2th percentile. Its roughly 423 residents per square mile place it 393rd among North Carolina's places. Between 2020 and 2023 the count changed by roughly 29 residents.

The anatomy of a Woodland personal loan

In Woodland, a small community of about 530, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Woodland lender to disclose the APR and finance charge before you sign. The term you choose in Woodland decides the split between a comfortable payment and the total interest you pay.

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