Kill Devil Hills at a glance
- Population: 7,778 people, the 111th-largest place among North Carolina's 549 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 7,644 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 1.8% higher than at the 2020 Census (US Census Bureau).
- Rank among North Carolina places: 111th in population of 549 places (US Census Bureau).
- Size percentile: roughly 80% of North Carolina's places have fewer residents (US Census Bureau).
- Coordinates: latitude 36.0171, longitude -75.6714 (US Census Bureau Gazetteer).
- Nearest larger cities: Elizabeth City, NC (37 mi); Virginia Beach, VA (56 mi); Chesapeake, VA (58 mi); Portsmouth, VA (70 mi); Norfolk, VA (70 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Kitty Hawk, NC (4 mi); Nags Head, NC (5 mi); Southern Shores, NC (8 mi), per US Census Bureau estimates.
What a personal loan costs in Kill Devil Hills
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
North Carolina lending rules that apply in Kill Devil Hills
The table lists the North Carolina rules that apply to a loan made in Kill Devil Hills, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kill Devil Hills
The order below is a sensible way to approach a loan in Kill Devil Hills:
- 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.