Angier at a glance
- Population: 7,283 people, the 118th-largest place among North Carolina's 549 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 5,351 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 36.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among North Carolina places: the 118th-largest of 549 (US Census Bureau, 2023 estimate).
- Size percentile: about 79% of places in North Carolina are smaller (US Census Bureau).
- Coordinates: 35.5119, -78.7399 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Fuquay-Varina, NC (6 mi); Holly Springs, NC (11 mi); Garner, NC (14 mi); Dunn, NC (16 mi); Apex, NC (17 mi), each a US Census place with its estimated population.
- Nearest smaller places: Lillington, NC (8 mi); Coats, NC (8 mi); Erwin, NC (14 mi) (US Census Bureau estimates).
What a personal loan costs in Angier
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
North Carolina lending rules that apply in Angier
The table lists the North Carolina rules that apply to a loan made in Angier, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Consumer Finance Act license from the Commissioner of Banks required for loans of $25,000 or less charging more than Chapter 24 rates Source says: "Direct lenders seeking to charge rates higher than allowed under Chapter 24 on consumer term loans of twenty-five thousand dollars ($25,000) or less" | North Carolina Office of the Commissioner of Banks as of 2026-09-16 |
| State lending regulator | North Carolina Office of the Commissioner of Banks (NCCOB) Source says: "Lenders operating under the CFA must be licensed by and are subject to regulation by the NCCOB." | North Carolina Office of the Commissioner of Banks as of 2026-09-16 |
| Consumer Finance Act installment loan rates (G.S. 53-176) | 33% per annum on unpaid balance up to $4,000; 24% on $4,000-$8,000; 18% on the remainder (loans up to $12,000); 18% for loans above $12,000 Source says: "thirty-three percent (33%) per annum on that part of the unpaid principal balance not exceeding four thousand dollars ($4,000)" | North Carolina General Assembly as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | For loans of $25,000 or less: greater of the 6-month U.S. Treasury bill rate + 6% or 16% (G.S. 24-1.1(c)); any agreed rate above $25,000 Source says: "plus six percent (6%), rounded upward or downward ... or sixteen percent (16%), whichever is greater" | North Carolina General Assembly as of 2026-09-16 |
| Payday lending status | Payday lenders shut down in North Carolina; online payday lending remains an enforcement target Source says: "Payday Lenders: Shut Down In NC, But Still Victimizing Borrowers Online" | North Carolina Department of Justice (Office of the Attorney General) as of 2026-09-16 |
How to compare offers in Angier
Before you commit to a personal loan in Angier, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in North Carolina using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.