To help lead North Carolina residents in a money-saving direction, WalletHub’s editors have selected several good personal loan options, including offers from our partners, that are available to people in North Carolina.
Popular Personal Loans in North Carolina
Lender | Best For | APR Range | Minimum Credit Score |
Marcus by Goldman Sachs | Good Credit | 6.99% - 24.99% | 700* |
Best Egg | Quick approval | 4.99% - 35.99% | 640 |
Payoff | Credit card consolidation | 5.99% - 24.99% | 640* |
Prosper | Home Improvement | 7.95% - 35.99% | 640 |
Truliant Federal Credit Union | North North Carolina | 7.99% - 15.74% | N/A |
The average credit score in North Carolina is 671, and getting a personal loan without an origination fee requires a score of at least 660. That means the average North Carolina resident has a good chance to qualify for a personal loan with a $0 origination fee. Personal loans with origination fees have score requirements between 585 and 660, so they’re easier to get.
Below, you can compare personal loan offers in North Carolina from our partners. It’s also a good idea to use WalletHub’s free personal loan pre-qualification tool to get a better sense of your approval odds and potential APRs with various lenders.
- Excellent Credit
- Good Credit
- Fair Credit
- Bad Credit
- No Credit/Limited History
- Any
- 1 day
- 3 days or less
- 7 days or less
LendingPoint $5,000 Loan • 60 Months
- Minimum FICO credit score required: 620
- Minimum gross income required: $20,000
- Minimum credit history: None
- Maximum debt-to-income ratio: Less than 50%, not including mortgage
* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 7% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.34% and origination fee of 7% will have a payment of $327.89 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
Axos $5,000 Loan • 60 Months
Axos $5,000 Loan • 36 Months
SoFi $5,000 Loan • 36 Months
- Loans between $5k - $100k, state restrictions apply¹
- 3, 4, 5, 6, or 7 year repayment terms
- No origination fees, no prepayment penalties
- Personal loans can be used for a variety of reasons, like paying off credit card debt and investing in home improvements
- Additional state restrictions may apply regarding maximum interest rates and minimum loan amounts. See SoFi.com/eligibility for more state eligibility details. Information as of July 2022 and subject to change.
Fixed rates from 7.99% APR to 22.73% APR APR reflect the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi rate ranges are current as of 8/1/22 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
LendingClub $5,000 Loan • 60 Months
- Join America’s largest personal loan marketplace with over 3 million members
- Choose the most experienced personal loan company that’s helped issue over $50 billion in loans since 2007
- Get fixed monthly payments with no prepayment penalties
- Take control of your debt and circle the date your loan will be paid off
A representative example of loan payment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30% origination fee of $711, for an APR of 15.99%. In this example, you will receive $12,700 and will make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts and term lengths may be unavailable in certain states. APR ranges from 8.05% to 35.89% and is determined at the time of application. Origination fee ranges from 3% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates are subject to change without notice.
Loans are made by LendingClub Bank, N.A., Member FDIC (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment before they can be funded or issued. Certain information that we subsequently obtain as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan from us. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com. “LendingClub” is a trademark of LendingClub Bank.
LendingClub $5,000 Loan • 36 Months
- Join America’s largest personal loan marketplace with over 3 million members
- Choose the most experienced personal loan company that’s helped issue over $50 billion in loans since 2007
- Get fixed monthly payments with no prepayment penalties
- Take control of your debt and circle the date your loan will be paid off
A representative example of loan payment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30% origination fee of $711, for an APR of 15.99%. In this example, you will receive $12,700 and will make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts and term lengths may be unavailable in certain states. APR ranges from 8.05% to 35.89% and is determined at the time of application. Origination fee ranges from 3% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates are subject to change without notice.
Loans are made by LendingClub Bank, N.A., Member FDIC (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment before they can be funded or issued. Certain information that we subsequently obtain as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan from us. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com. “LendingClub” is a trademark of LendingClub Bank.
Marcus by Goldman Sachs $5,000 Loan • 60 Months
- No Fees. Ever. We don't deduct a sign-up fee from your loan amount.
- Loans from $3,500 to $40,000 and fixed rates from 6.99% to 24.99% APR. Only the most creditworthy applicants qualify for the lowest rates and largest loans amounts. Rates will generally be higher for longer term loans.
- Tailored monthly payment options designed to fit your budget.
- Marcus is backed by over 150 years of Goldman Sachs' financial expertise.
- No origination fee, prepayment fee, or late fee - You only pay interest for the additional days.
- Discount when enrolled in Autopay.
- You may be required to have some of your funds sent directly to creditors to pay down certain types of unsecured debt
Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. Rates range from 6.99% to 24.99% APR, and loan terms range from 36 to 72 months. For NY residents, rates range from 6.99%-24.74%. Only the most creditworthy applicants qualify for the lowest rates and longest loan terms. Rates will generally be higher for longer-term loans. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans). Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions. Receive a 0.25% APR reduction when you enroll in AutoPay. This reduction will not be applied if AutoPay is not in effect. When enrolled, a larger portion of your monthly payment will be applied to your principal loan amount and less interest will accrue on your loan, which may result in a smaller final payment. See loan agreement for details.
Marcus by Goldman Sachs $5,000 Loan • 36 Months
- No Fees. Ever. We don't deduct a sign-up fee from your loan amount.
- Loans from $3,500 to $40,000 and fixed rates from 6.99% to 24.99% APR. Only the most creditworthy applicants qualify for the lowest rates and largest loans amounts. Rates will generally be higher for longer term loans.
- Tailored monthly payment options designed to fit your budget.
- Marcus is backed by over 150 years of Goldman Sachs' financial expertise.
- No origination fee, prepayment fee, or late fee - You only pay interest for the additional days.
- Discount when enrolled in Autopay.
- You may be required to have some of your funds sent directly to creditors to pay down certain types of unsecured debt
Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. Rates range from 6.99% to 24.99% APR, and loan terms range from 36 to 72 months. For NY residents, rates range from 6.99%-24.74%. Only the most creditworthy applicants qualify for the lowest rates and longest loan terms. Rates will generally be higher for longer-term loans. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans). Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions. Receive a 0.25% APR reduction when you enroll in AutoPay. This reduction will not be applied if AutoPay is not in effect. When enrolled, a larger portion of your monthly payment will be applied to your principal loan amount and less interest will accrue on your loan, which may result in a smaller final payment. See loan agreement for details.
Happy Money $5,000 Loan • 60 Months
- With a Happy Money Loan, you, like other Happy Money Members, could raise your credit score by 40 points.
- You can consolidate all your credit card payments down to one monthly, affordable, fixed-rate payment between 5.99% and 24.99% APR.
- You WON’T pay any prepayment penalties, application fees, late fees or hidden fees. Because no one wants to do that.
- Loans for refinancing credit card debt from $3,000 to $35,000
APR (est) includes a discount ranging from .25 – 1.00% based on credit quality, term, and use of loan proceeds. This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements
Happy Money $5,000 Loan • 36 Months
- With a Happy Money Loan, you, like other Happy Money Members, could raise your credit score by 40 points.
- You can consolidate all your credit card payments down to one monthly, affordable, fixed-rate payment between 5.99% and 24.99% APR.
- You WON’T pay any prepayment penalties, application fees, late fees or hidden fees. Because no one wants to do that.
- Loans for refinancing credit card debt from $3,000 to $35,000
APR (est) includes a discount ranging from .25 – 1.00% based on credit quality, term, and use of loan proceeds. This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements