Marshville at a glance
- Population: roughly 2,660 people; 227th of 549 places in North Carolina (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 2,528 (US Census Bureau).
- 2020 to 2023 change: roughly 5.2% higher than at the 2020 Census (US Census Bureau).
- Rank among North Carolina places: 227th of the state's 549 Census places (US Census Bureau).
- Size percentile: about 59% of places in North Carolina are smaller (US Census Bureau).
- Coordinates: it sits at 34.9862, -80.3690 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Wingate, NC (4 mi); Unionville, NC (11 mi); Monroe, NC (11 mi); Fairview, NC (15 mi); Lake Park, NC (16 mi) (US Census Bureau populations).
- Nearest smaller towns: Peachland, NC (6 mi); Polkton, NC (10 mi); Pageland, SC (15 mi) — US Census Bureau populations.
What a personal loan costs in Marshville
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
North Carolina lending rules that apply in Marshville
Each row below is a North Carolina rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Marshville
These steps are the ones that most affect the offer you receive in Marshville:
- 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.