Harrellsville at a glance
- Population: 79 residents, the 538th-largest of 549 places in North Carolina (US Census Bureau, Vintage 2023).
- 2020 Census base: 83 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 4.8% lower than the 2020 Census base (US Census Bureau).
- Rank among North Carolina places: 538th in population of 549 places (US Census Bureau).
- Size percentile: about 2% of places in North Carolina are smaller (US Census Bureau).
- Coordinates: 36.3017 latitude, -76.7918 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Colerain, NC (7 mi); Gatesville, NC (8 mi); Cofield, NC (8 mi); Powellsville, NC (9 mi); Winton, NC (10 mi); US Census Bureau population estimates.
- Nearest smaller towns: Como, NC (18 mi); Lasker, NC (29 mi); Hassell, NC (38 mi) (US Census Bureau).
What a personal loan costs in Harrellsville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
North Carolina lending rules that apply in Harrellsville
Read the table as the compliance picture for a lender serving Harrellsville: label, sourced figure, publisher and date.
| 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 Harrellsville
Before you commit to a personal loan in Harrellsville, 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.