Best Personal Loan Rates in Oak City, North Carolina - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Oak City, North Carolina include: Weyco Community Credit UnionWeyco Community Credit UnionA5.0 ★Texas Ratio: 11.26% offering Used (Previously Titled) Loan at 4.75% APR, Piedmont Advantage Credit UnionPiedmont Advantage Credit UnionA+5.0 ★Texas Ratio: 4.57% offering Liberty Loan at 4.75% APR, Shuford Federal Credit UnionShuford Federal Credit UnionA5.0 ★Texas Ratio: 10.69% offering New and Current Model Loan at 5.00% APR, Self-Help Credit UnionSelf-Help Credit UnionA5.0 ★Texas Ratio: 6.49% offering Energy Saver Loans at 5.75% APR, and Latino Community Credit UnionLatino Community Credit UnionA+5.0 ★Texas Ratio: 5.83% offering Credit Builder Loan at 6.00% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Oak City borrowers have access to 38 lenders serving the North Carolina area, with personal loan rates as low as 4.75% APR from Weyco Community Credit Union. 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 Oak City, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oak City, 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: July 11, 2026
Oak City Personal Loan Rates
Less than 140,000 miles
Rate subject to change.
As Low As
Less than 100,000 miles
No additional details available.
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Less than 75,000 miles
No additional details available.
No additional details available.
Maximum Amount: N/A; Loan to Value: 100%
No additional details available.
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Less than 50,000 miles
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; Rate subject to change.
$100,000
As Low As; All loans subject to credit approval.
$100,000
As Low As
As Low As; Rates as low as 7.49% APR.
As Low As; Funding For Your Summertime. Loan amounts up to $45,000
As Low As
As Low As; Less than $14,999
As Low As; Click Here
up to 48 months
As low as 8.00%
$500; As Low As
No additional details available.
Rate subject to change.
Rate subject to change.
Rate subject to change.
$15,000 - $25,000
As Low As
No additional details available.
No additional details available.
As Low As
$1500.00
$1499.00
No additional details available.
As Low As
$250; As Low As
No additional details available.
$20,000 Maximum - Individual & Joint
No additional details available.
No additional details available.
No additional details available.
Starting at 10.75% Annual Percentage Rate
$1,250; As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
$3,500; As Low As
No additional details available.
As Low As
$7,000; As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rate subject to change.
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.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
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As Low As
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As Low As
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$20,000; As Low As
No additional details available.
As Low As
No additional details available.
Maximum APR: 18.00%
From
$500; As Low As
Apply Online or call 1-800-951-LOAN
No additional details available.
No additional details available.
Maximum Amount: $20,000; Loan to Value: N/A
No additional details available.
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up to 12 months
No additional details available.
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Oak City Personal Loan Rates
As Low As; All loans subject to credit approval.
As Low As; Rates as low as 7.49% APR.
As Low As; Funding For Your Summertime. Loan amounts up to $45,000
As Low As; Click Here
As low as 8.00%
As Low As
No additional details available.
$1500.00
$1499.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
Maximum APR: 18.00%
From
Maximum Amount: $20,000; Loan to Value: N/A
No additional details available.
No additional details available.
No additional details available.
Oak City Debt Consolidation Loan Rates
No additional details available.
No additional details available.
Apply Online or call 1-800-951-LOAN
No additional details available.
No additional details available.
Oak City Signature Loan Rates
As Low As
up to 48 months
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
Rate subject to change.
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.
No additional details available.
Maximum APR: 18.00%
Maximum Amount: $20,000; Loan to Value: N/A
No additional details available.
Oak City, NC Personal Loan Rate Trends
Compare local Oak City, 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 0.746 points over the past 7 days to 10.895% APR.
North Carolina signature loan rates fell 1.418 points over the past 7 days to 11.132% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oak City, 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 Oak City, 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 Oak City, 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 Oak City, North Carolina?
What are the best personal loan rates in Oak City, North Carolina?
- Weyco Community Credit Union: 4.75% (Used (Previously Titled) Loan)
- Piedmont Advantage Credit Union: 4.75% (Liberty Loan)
- Shuford Federal Credit Union: 5.00% (New and Current Model Loan)
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- Latino Community Credit Union: 6.00% (Credit Builder Loan)
Oak City, North Carolina Rates & Resources
Personal Loan Calculators
