Four Oaks at a glance
- Population: 2,530, the 229th-largest community in North Carolina out of 549 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 2,233 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 13.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among North Carolina places: 229th of the state's 549 Census places (US Census Bureau).
- Size percentile: ahead of around 58% of North Carolina places in population terms (US Census Bureau).
- Coordinates: latitude 35.4456, longitude -78.4176 (US Census Bureau Gazetteer).
- Nearest larger cities: Smithfield, NC (7 mi); Benson, NC (8 mi); Selma, NC (10 mi); Wilson's Mills, NC (10 mi); Dunn, NC (14 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Pine Level, NC (10 mi); Newton Grove, NC (14 mi); Coats, NC (14 mi), per US Census Bureau estimates.
What a personal loan costs in Four Oaks
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
North Carolina lending rules that apply in Four Oaks
The sourced rows below are the rules a licensed lender must follow when lending in North Carolina, and therefore in Four Oaks.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Four Oaks
The order below is a sensible way to approach a loan in Four Oaks:
- 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.