Best Personal Loan Rates in Hickory, North Carolina (NC) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Hickory, North Carolina include: Shuford Federal Credit UnionShuford Federal Credit Union882 16th St NE, Hickory, NC, 28601A5.0 ★Texas Ratio: 10.69% offering Unsecured Lines of Credit at 8.75% APR, Summit Credit UnionSummit Credit Union102 1st Ave NE, Hickory, NC, 28601 6207A+5.0 ★Texas Ratio: 2.59% offering Credit Builder Loan at 9.50% APR, State Employees Credit UnionState Employees Credit Union2875 16TH ST NE, HICKORY, NC, 28601A-5.0 ★Texas Ratio: 14.47% offering Open-End Signature Loan at 11.25% APR, Nova Credit UnionNova Credit Union1022 11th Avenue Blvd SE, Hickory, NC, 28602A+5.0 ★Texas Ratio: 2.24% offering Personal Loan at 14.00% APR, and Members Credit Union Winston Salem, NCMembers Credit Union Winston Salem, NC2142 12th Ave NE, Hickory, NC, 28601 3182A+5.0 ★Texas Ratio: 2.81% offering Debt Consolidation at 15.45% APR. Personal loan rates as of May 20, 2026 according to verified data from MonitorBankRates.
Hickory has 5 local institutions in our database, with personal loan rates as low as 8.75% APR from Shuford Federal Credit Union at 882 16th St NE, Hickory, NC, 28601. 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 Hickory, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Hickory, 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 20, 2026
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Regular APR: 14.75% - 18.00%
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$20 application fee. Speak with a First Flight representative for full offer details.
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Regular APR: 14.75% - 18.00%
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Hickory, NC Personal Loan Rate Trends
Compare local Hickory, 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 0.023 points over the past 7 days to 10.552% APR.
North Carolina signature loan rates currently average 12.698% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hickory, 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 Hickory, 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 Hickory, 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 Hickory, North Carolina?
What are the best personal loan rates in Hickory, North Carolina?
- Shuford Federal Credit Union: 8.75% (Unsecured Lines of Credit)
- Summit Credit Union: 9.50% (Credit Builder Loan)
- State Employees Credit Union: 11.25% (Open-End Signature Loan)
- Nova Credit Union: 14.00% (Personal Loan)
- Members Credit Union Winston Salem, NC: 15.45% (Debt Consolidation)
Personal Loan Calculators
