Walstonburg at a glance
- Population: 195, the 505th-largest community in North Carolina out of 549 (US Census Bureau, Vintage 2023).
- 2020 Census base: 197 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 1.0% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among North Carolina places: 505th of the state's 549 Census places (US Census Bureau).
- Size percentile: about 8% of places in North Carolina are smaller (US Census Bureau).
- Coordinates: 35.5961, -77.6980 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Saratoga, NC (6 mi); Farmville, NC (6 mi); Fountain, NC (6 mi); Stantonsburg, NC (7 mi); Snow Hill, NC (10 mi) (US Census Bureau populations).
- Smaller places nearby: Falkland, NC (13 mi); Seven Springs, NC (27 mi); Leggett, NC (28 mi), per US Census Bureau estimates.
What a personal loan costs in Walstonburg
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
North Carolina lending rules that apply in Walstonburg
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Walstonburg
A few practical steps will make the process in Walstonburg less costly:
- 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.