Robersonville at a glance
- Population: roughly 1,218 people; 314th of 549 places in North Carolina (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,263 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 3.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among North Carolina places: 314th of 549 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 43% of North Carolina's places have fewer residents (US Census Bureau).
- Coordinates: 35.8247 / -77.2533, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Bethel, NC (7 mi); Williamston, NC (11 mi); Princeville, NC (16 mi); Greenville, NC (17 mi); Tarboro, NC (18 mi) (US Census Bureau populations).
- Nearest smaller places: Parmele, NC (3 mi); Everetts, NC (5 mi); Hassell, NC (6 mi) (US Census Bureau estimates).
What a personal loan costs in Robersonville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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 Robersonville
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Robersonville
The steps below are worth completing first when you borrow in Robersonville:
- 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.