Personal loans in Yanceyville, NC
Rate ceilings, licensing requirements and product limits for Yanceyville are all set at the North Carolina level.
Two households in Yanceyville with comparable incomes can still be offered different rates; the city's 2,002 residents are not the reason. Yanceyville is home to roughly 2,002 people and stands 256th by size out of 549 Census places in North Carolina. Population in Yanceyville climbed about 4.1% over the three years from 2020 to 2023. Work out your debt-to-income ratio first; lenders weigh it heavily, and Yanceyville's 2,002 residents are no exception. A larger market lies at Danville, VA about 13 miles away.
Yanceyville: population, trend and location
Most of what governs a Yanceyville loan is written in North Carolina law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 2,002 residents in Yanceyville (Vintage 2023 subcounty estimate), the 256th-largest figure among North Carolina's 549 places.
- Population trend: A gain of roughly 4.1% between 2020 and 2023.
- People gained or lost: about 78 more since the 2020 base.
- Size percentile: Yanceyville's 2,002 people outrank roughly 53% of the places in North Carolina.
- Density: roughly 289 residents per square mile, spread over 6.9 sq mi of land.
- Land area rank: Yanceyville's 6.9 square miles rank 134th of 549 places in North Carolina.
- Water area rank: Yanceyville ranks 182nd among North Carolina's 549 places, with 0.03 sq mi.
- Within North Carolina: about 0.0% of the state's population lives in Yanceyville.
- National rank: Yanceyville is the 7,626th most populous of the 19,457 Census places covered here.
- Growth in North Carolina: Yanceyville stands 139th by percentage change from 2020 to 2023, among 549 places.
- State comparison: North Carolina's places average +2.9% for 2020-to-2023, against Yanceyville's 4.1%.
- Density rank: Yanceyville places 455th among North Carolina's places by people per square mile.
- Density in context: Yanceyville's 289 people per square mile sit against a North Carolina median of 758.
- Location: the Census Gazetteer records it at 36.4102, -79.3294.
- Nearest larger cities: Danville (13 mi); Roxboro (20 mi); Reidsville (20 mi); Green Level (20 mi); Haw River (22 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Milton (11 mi); Ossipee (20 mi); Whitsett (27 mi).
- Smaller places within 50 miles: 21 of them.
- Within 100 miles: 136 places are larger than Yanceyville.
What shapes a Yanceyville personal loan
With roughly 2,002 residents, Yanceyville 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 Yanceyville's rank of 256th in North Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Yanceyville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Yanceyville on the map
Yanceyville covers about 6.9 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 289 people per square mile. The largest place in North Carolina, Charlotte, lies about 118 miles away. Within 50 miles of Yanceyville there are 39 larger Census places. By land area it ranks 134th of 549 North Carolina places.
Lender access in Yanceyville
Yanceyville is lightly settled, with about 289 people per square mile and 39 larger places within 50 miles. A North Carolina licence lets a lender serve Yanceyville without a local office, so branch density does not change what its 2,002 residents are offered. The nearest larger city, Danville, VA about 13 miles away.
Yanceyville in state context
Set beside North Carolina's 549 places, Yanceyville ranks 256th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 139th of 549 North Carolina places, putting it near the 75th percentile for growth. By density, at about 289 people per square mile, it ranks 455th in North Carolina. Between 2020 and 2023 the count changed by roughly 78 residents.
The North Carolina lending rules that reach Yanceyville
Read the table as a lender's compliance picture for Yanceyville: 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 |
| 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 |
| Payday lending status | Payday lenders shut down in North Carolina; online payday lending remains an enforcement target Source says: "Payday Lenders: Shut Down In NC, But Still Victimizing Borrowers Online" | North Carolina Department of Justice (Office of the Attorney General) as of 2026-09-16 |
Common questions
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Nearby places
- Milton, NC — population 154
- Danville, VA — population 41,837
- Green Level, NC — population 3,293
- Ossipee, NC — population 557
- Haw River, NC — population 2,348
- Mebane, NC — population 20,212
- Reidsville, NC — population 14,585
- Roxboro, NC — population 8,212