Best Personal Loan Rates in North Carolina (NC) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to North Carolina borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in North Carolina include: Baxter Credit UnionBaxter Credit Union67 Pitts Station Rd, Marion, NC, 28752 7925A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Self-Help Credit UnionSelf-Help Credit Union301 W Main St, Durham, NC, 27701A5.0 ★Texas Ratio: 7.18% offering Energy Saver Loans at 5.75% APR, Allegacy Federal Credit UnionAllegacy Federal Credit Union1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993A5.0 ★Texas Ratio: 6.91% offering Share Loan at 5.75% APR, RTP Federal Credit UnionRTP Federal Credit Union915 N Harrison Ave, Cary, NC, 27513 3904A5.0 ★Texas Ratio: 6.12% offering Technology Loans at 5.99% APR, and Langley Federal Credit UnionLangley Federal Credit Union6308 Falls of Neuse Rd, Raleigh, NC, 27615A5.0 ★Texas Ratio: 11.01% offering Credit Builder Loan at 6.50% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across North Carolina side-by-side. North Carolina personal loan rates currently start as low as 4.50% APR from Baxter Credit Union at 67 Pitts Station Rd, Marion, NC, 28752 7925. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in North Carolina. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 12, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Energy Saver Loans
5.75%
▼
APR5.75%
Last UpdatedMay 12, 2026
Details
up to 180 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Solar Loans
5.75%
▼
APR5.75%
Last UpdatedMay 12, 2026
Details
up to 240 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Share Loan
5.75%
▼
APR5.75%
Last UpdatedMay 12, 2026
Details
Payroll deduction or automatic draft
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Technology Loans
5.99%
▼
APR5.99%
Last UpdatedMay 12, 2026
Details
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Computer Loan
6.00%
▼
APR6.00%
Last UpdatedMay 12, 2026
Details
As Low As; Payroll deduction or automatic draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Share Loan
6.25%
▼
APR6.25%
Last UpdatedMay 12, 2026
Details
Non-payroll deducation
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Computer Loan
6.50%
▼
APR6.50%
Last UpdatedMay 12, 2026
Details
As Low As; Non-payroll deducation
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
Credit Builder Plus Loan
6.75%
▼
APR6.75%
Last UpdatedMay 12, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedMay 12, 2026
Details
As Low As
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedMay 12, 2026
Details
As Low As
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Energy Efficient Loan
6.90%
▼
APR6.90%
Last UpdatedMay 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 12, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedMay 12, 2026
Details
Up to 60 months
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1823 Banking St, Greensboro, NC, 27408
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Loan Amounts
7.25%
▼
APR7.25%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Recreational Loan
7.49%
▼
APR7.49%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 12, 2026
Details
As Low As
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC, 27886
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 12, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Other Collateralized Loans Less than
7.75%
▼
APR7.75%
Last UpdatedMay 12, 2026
Details
$14,999
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 12, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 12, 2026
Details
As Low As
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
Unsecured
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Loan Amounts
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
As Low As
Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedMay 12, 2026
Details
$20,000; As Low As
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
Equipment Loans
8.25%
▼
APR8.25%
Last UpdatedMay 12, 2026
Details
As Low As; Up to 48 Months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Loan Amounts
8.50%
▼
APR8.50%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
882 16th St NE, Hickory, NC, 28601
Unsecured Lines of Credit
8.75%
▼
APR8.75%
Last UpdatedMay 12, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMay 12, 2026
Details
As Low As; Payroll deduction or automatic draft
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Land Loans
9.00%
▼
APR9.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
Personal
9.00%
▼
APR9.00%
Last UpdatedMay 12, 2026
Details
As Low As; Up to 60 Months
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Other Collateralized Loans
9.25%
▼
APR9.25%
Last UpdatedMay 12, 2026
Details
$15,000 -$25,000
Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Personal Loan
9.38%
▼
APR9.38%
Last UpdatedMay 12, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedMay 12, 2026
Details
As Low As; Non-payroll deducation
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedMay 12, 2026
Details
$20,000; As Low As
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 12, 2026
Details
As Low As
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Credit Builder Loan
9.50%
▼
APR9.50%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 12, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMay 12, 2026
Details
$5,000+; As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Lifestyle Loan
9.85%
▼
APR9.85%
Last UpdatedMay 12, 2026
Details
Payroll deduction or automatic draft
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMay 12, 2026
Details
As Low As
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
▼
APR9.90%
Last UpdatedMay 12, 2026
Details
As Low As
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Unsecured - 36 Mo
9.90%
▼
APR9.90%
Last UpdatedMay 12, 2026
Details
No additional details available.
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal
9.95%
▼
APR9.95%
Last UpdatedMay 12, 2026
Details
As Low As; Up to 60 Months
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
$1499.00
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC, 27676 9803
Signature
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
Fixed Rates only. Terms available up to 60 months.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Loan Amounts
10.00%
▼
APR10.00%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1501 River Rd, Cofield, NC, 27922
Share Loan
10.00%
▼
APR10.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 12, 2026
Details
$7,500+; As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMay 12, 2026
Details
As Low As
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Certificate Loan
10.25%
▼
APR10.25%
Last UpdatedMay 12, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
Up to $5,000.00
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
$20,000 Maximum - Individual & Joint
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC, 28226 0426
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedMay 12, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedMay 12, 2026
Details
$10,000+; As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Loan Amounts
10.75%
▼
APR10.75%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2031 RUTHERFORD RD, MARION, NC, 28752
Personal Maximum per Household
10.75%
▼
APR10.75%
Last UpdatedMay 12, 2026
Details
$5,000.00
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2031 RUTHERFORD RD, MARION, NC, 28752
Personal Unsecured Loans
10.75%
▼
APR10.75%
Last UpdatedMay 12, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Certificate Loan
10.75%
▼
APR10.75%
Last UpdatedMay 12, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMay 12, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
11.24%
▼
APR11.24%
Last UpdatedMay 12, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Certificate Loan
11.25%
▼
APR11.25%
Last UpdatedMay 12, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedMay 12, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedMay 12, 2026
Details
up to 48 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured
11.50%
▼
APR11.50%
Last UpdatedMay 12, 2026
Details
Payroll deduction or automatic draft
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Certificate Loan
11.75%
▼
APR11.75%
Last UpdatedMay 12, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedMay 12, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured
12.00%
▼
APR12.00%
Last UpdatedMay 12, 2026
Details
Non-payroll deducation
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Disaster Loans
12.00%
▼
APR12.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC, 27106
Signature
12.00%
▼
APR12.00%
Last UpdatedMay 12, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Promotional Loan
12.00%
▼
APR12.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMay 12, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedMay 12, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedMay 12, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedMay 12, 2026
Details
up to 48 months
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Consumer Loan
12.50%
▼
APR12.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Recruit Loan
12.50%
▼
APR12.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term
12.75%
▼
APR12.75%
Last UpdatedMay 12, 2026
Details
$5,000.01-$15,000.00
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedMay 12, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMay 12, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Comaker Loan
13.00%
▼
APR13.00%
Last UpdatedMay 12, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured Loan
13.50%
▼
APR13.50%
Last UpdatedMay 12, 2026
Details
Payroll deduction or automatic draft
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 12, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 12, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Bridge Loans
14.00%
▼
APR14.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Tax Relief Loans
14.00%
▼
APR14.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC, 28716
Fuel Loan
14.00%
▼
APR14.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
Signature Cash Back
14.25%
▼
APR14.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured
14.25%
▼
APR14.25%
Last UpdatedMay 12, 2026
Details
As Low As; Payroll deduction or automatic draft
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 12, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured
14.75%
▼
APR14.75%
Last UpdatedMay 12, 2026
Details
As Low As; Non-payroll deducation
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Signature Premier Rewards
14.75%
▼
APR14.75%
Last UpdatedMay 12, 2026
Details
Regular APR: 14.75% - 18.00%
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Extra Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMay 12, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
As Low As; ...
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum APR: 18.00%
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
No Credit Check Loan
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Quick Cash Loan
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
APR will be determined at time of application based on member-applicant qualifications.
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loan
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedMay 12, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
15.99%
▼
APR15.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Debt Consolidation Loans
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Debt Consolidation
16.99%
▼
APR16.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Extra Personal Loan (High Balance)
16.99%
▼
APR16.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedMay 12, 2026
Details
No additional details available.
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Emergency Loan
17.95%
▼
APR17.95%
Last UpdatedMay 12, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Signature Cash Back
18.00%
▼
APR18.00%
Last UpdatedMay 12, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1501 River Rd, Cofield, NC, 27922
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC, 27518
First Flight Advance Loans
25.00%
▼
APR25.00%
Last UpdatedMay 12, 2026
Details
$20 application fee. Speak with a First Flight representative for full offer details.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedMay 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 12, 2026
Details
As Low As
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1823 Banking St, Greensboro, NC, 27408
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 12, 2026
Details
As Low As
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC, 27886
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 12, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 12, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
As Low As
Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedMay 12, 2026
Details
$20,000; As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Personal Loan
9.38%
▼
APR9.38%
Last UpdatedMay 12, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedMay 12, 2026
Details
$20,000; As Low As
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 12, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMay 12, 2026
Details
$5,000+; As Low As
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
Fixed Rates only. Terms available up to 60 months.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
$1499.00
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 12, 2026
Details
$7,500+; As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMay 12, 2026
Details
As Low As
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedMay 12, 2026
Details
$10,000+; As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMay 12, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedMay 12, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedMay 12, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMay 12, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 12, 2026
Details
As Low As
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Extra Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMay 12, 2026
Details
As Low As
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loan
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC, 27379
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum APR: 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
As Low As; ...
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Extra Personal Loan (High Balance)
16.99%
▼
APR16.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedMay 12, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 12, 2026
Details
As Low As
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedMay 12, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
15.99%
▼
APR15.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Debt Consolidation Loans
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Debt Consolidation
16.99%
▼
APR16.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedMay 12, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedMay 12, 2026
Details
Up to 60 months
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
Unsecured
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMay 12, 2026
Details
As Low As
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
▼
APR9.90%
Last UpdatedMay 12, 2026
Details
As Low As
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC, 27676 9803
Signature
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedMay 12, 2026
Details
up to 48 months
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedMay 12, 2026
Details
As Low As
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC, 27106
Signature
12.00%
▼
APR12.00%
Last UpdatedMay 12, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMay 12, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedMay 12, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedMay 12, 2026
Details
up to 48 months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
Signature Cash Back
14.25%
▼
APR14.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Signature Premier Rewards
14.75%
▼
APR14.75%
Last UpdatedMay 12, 2026
Details
Regular APR: 14.75% - 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum APR: 18.00%
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Signature Cash Back
18.00%
▼
APR18.00%
Last UpdatedMay 12, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1501 River Rd, Cofield, NC, 27922
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in North Carolina currently.
North Carolina Personal Loan Rate Trends
Compare local North Carolina personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — NC Avg
10.223%
▲ 0.320 vs 7 days ago
North Carolina personal loan rates rose 0.320 points over the past 7 days to 10.223% APR.
Signature Loan — NC Avg
12.698%
Unchanged vs 7 days ago
North Carolina signature loan rates currently average 12.698% APR.
As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in North Carolina?
Most lenders in North Carolina require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in North Carolina often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in North Carolina require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in North Carolina?
Yes. Debt consolidation is one of the most common uses of personal loans in North Carolina. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in North Carolina?
Credit unions in North Carolina often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in North Carolina?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- Allegacy Federal Credit Union: 5.75% (Share Loan)
- RTP Federal Credit Union: 5.99% (Technology Loans)
- Langley Federal Credit Union: 6.50% (Credit Builder Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026.
