Best Personal Loan Rates in Fayetteville, North Carolina -
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Fayetteville, North Carolina include: TruistTruist300 Rowan St, Fayetteville, NC, 28301A+5.0 ★Texas Ratio: 3.63% offering Variable Rate Loan at 7.50% APR, Vision Financial Federal Credit UnionVision Financial Federal Credit Union3190 Natal St, Fayetteville, NC, 28306 2865A+5.0 ★Texas Ratio: 0.50% offering 2019 & Older- Max LTV < 90% Loan at 7.99% APR, State Employees Credit UnionState Employees Credit Union651 EXECUTIVE PL, FAYETTEVILLE, NC, 28305A-5.0 ★Texas Ratio: 14.47% offering Salary Advance (cash account > Loan at 8.75% APR, Bragg Mutual Federal Credit UnionBragg Mutual Federal Credit Union2917 Village Dr, Fayetteville, NC, 28304 3814A5.0 ★Texas Ratio: 7.62% offering Unsecured Term Loan at 10.50% APR, and Sharonview Federal Credit UnionSharonview Federal Credit Union2844 Freedom Parkway Dr Ste 2, Fayetteville, NC, 28314A5.0 ★Texas Ratio: 10.83% offering All-Purpose Loan at 10.74% APR. Personal loan rates as of June 9, 2026 according to verified data from MonitorBankRates.
Fayetteville has 6 local institutions in our database, with personal loan rates as low as 7.50% APR from Truist at 300 Rowan St, Fayetteville, NC, 28301. Use the tabs below to compare all available personal loan types. 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 Fayetteville, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Fayetteville, 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: June 9, 2026
Fayetteville Personal Loan Rates
Special introductory variable rate as low as Prime minus 1.51% for 9 months from the date of account opening. Currently 5.99% APR. After the 9 months, the rate will be the standard approved variable rate, currently ranging between 7.50% to 14.85% APR. Rates will fluctuate based on changes to the index rate. Excellent credit is required to qualify for the lowest rates.
As Low As; up to 42 months
$500; As Low As
As Low As; max term 60 months
Up to $5,000.00
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$5,000.01-$15,000.00
No additional details available.
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$500; As Low As
No additional details available.
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As Low As
Less than 140,000 miles
As Low As
As Low As
Up to 48 Months
49-60 Months
Less than 100,000 miles
61-72 Months
Up to 48 Months
No additional details available.
No additional details available.
Less than 75,000 miles
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
49-60 Months
As Low As; Rate subject to change annually on August 1st of each year. APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
No additional details available.
No additional details available.
As Low As; Rate subject to change annually on August 1st of each year. APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
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.
Less than 50,000 miles
As Low As
61- 72 Months
As Low As
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Up to 60 months
As Low As
As Low As
$0.01 - $35,000; As Low As
As Low As
As Low As; APR=Annual Percentage Rate.
As Low As
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
As Low As
As Low As; Rate subject to change annually on August 1st of each year. APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
$14,999
As Low As
As Low As
$0.01 - $35,000; As Low As
Unsecured
$20,000; As Low As
No additional details available.
As Low As
$0.01 - $35,000; As Low As
As Low As
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As Low As
As Low As; Payroll deduction or automatic draft APR
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$15,000 -$25,000
As Low As
$20,000; As Low As
As Low As
As Low As; Non-payroll deducation APR
As Low As
$5,000+; As Low As
No additional details available.
As Low As
As Low As
As Low As; Up to 60 Months
As Low As; Maximum term for lowest rate is 60 months.
Fixed Rates only. Terms available up to 60 months.
No additional details available.
$1500.00
$1499.00
As Low As
$0.01 - $35,000; As Low As
$7,500+; As Low As
No additional details available.
As Low As
No additional details available.
$20,000 Maximum - Individual & Joint
Langley's Lowest Rate Visa; As Low As1
$10,000+; As Low As
$0.01 - $35,000; As Low As
$5,000.00 Maximum per Household
As Low As
Regular APR: 10.75% - 18.00%
As Low As
No additional details available.
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As Low As
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.
No additional details available.
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As Low As
Payroll deduction or automatic draft
No additional details available.
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As Low As
Regular APR: 14.75% - 18.00%
No additional details available.
As Low As
No additional details available.
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Maximum Amount based on debt ratio, credit, and length of employment
No additional details available.
As Low As
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Rates as low as1 18.00% APR; 5% Pick Your Own Category!; 3% on Gas; 2% on Groceries & Wholesale Clubs; 1% on Other Purchases
Qualifications Required: Membership eligibility required; Terms and Conditions apply; Members must apply for this product without a credit check being performed, but we will report your payment activity which can help to improve your credit score; Applicants must be the primary account holder, have been a Member for 90 days prior to their application, have had a direct deposit within 61 days prior to the application, and have accounts in good standing.; Terms of 6, 9, or 12 months based on amount borrowed. Approved loan amount based on Member's direct deposits over 61 days period before application. all applications carry a $20 application fee. Speak with a First Flight representative for full offer details.
Fayetteville Personal Loan Rates
No additional details available.
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As Low As
As Low As
As Low As
As Low As; APR=Annual Percentage Rate.
As Low As
As Low As; Funding For Your Summertime | Loan amounts up to $45,000
As Low As
As Low As
As Low As
$20,000; As Low As
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As Low As
$20,000; As Low As
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$5,000+; As Low As
$1499.00
$1500.00
No additional details available.
Fixed Rates only. Terms available up to 60 months.
$7,500+; As Low As
No additional details available.
As Low As
No additional details available.
$10,000+; As Low As
$5,000.00 Maximum per Household
No additional details available.
No additional details available.
No additional details available.
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As Low As
As Low As
No additional details available.
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As Low As
Maximum Amount based on debt ratio, credit, and length of employment
No additional details available.
No additional details available.
Fayetteville Debt Consolidation Loan Rates
As Low As; Maximum term for lowest rate is 60 months.
No additional details available.
No additional details available.
As Low As
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Fayetteville Signature Loan Rates
As Low As; max term 60 months
No additional details available.
As Low As
No additional details available.
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No additional details available.
As Low As
Up to 60 months
Unsecured
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
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.
No additional details available.
Regular APR: 14.75% - 18.00%
No additional details available.
No additional details available.
Rates as low as1 18.00% APR; 5% Pick Your Own Category!; 3% on Gas; 2% on Groceries & Wholesale Clubs; 1% on Other Purchases
Fayetteville, NC Personal Loan Rate Trends
Compare local Fayetteville, NC 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.
North Carolina personal loan rates fell 0.048 points over the past 7 days to 11.336% APR.
North Carolina signature loan rates currently average 12.677% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fayetteville, North Carolina personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Fayetteville, North Carolina directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Fayetteville, North Carolina. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NC.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in North Carolina?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in North Carolina?
Are credit unions or banks better for personal loans in Fayetteville, North Carolina?
What are the best personal loan rates in Fayetteville, North Carolina?
- Truist: 7.50% (Variable Rate Loan)
- Vision Financial Federal Credit Union: 7.99% (2019 & Older- Max LTV < 90% Loan)
- State Employees Credit Union: 8.75% (Salary Advance (cash account > Loan)
- Bragg Mutual Federal Credit Union: 10.50% (Unsecured Term Loan)
- Sharonview Federal Credit Union: 10.74% (All-Purpose Loan)
Fayetteville, North Carolina Rates & Resources
Personal Loan Calculators
