Wentworth at a glance
- Population: roughly 2,715 people; 222nd of 549 places in North Carolina (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,656 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 2.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among North Carolina places: 222nd-largest of 549 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 60% of places in North Carolina are smaller (US Census Bureau).
- Coordinates: 36.4012, -79.7569 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Reidsville, NC (6 mi); Eden, NC (7 mi); Summerfield, NC (16 mi); Stokesdale, NC (17 mi); Martinsville, VA (20 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Stoneville, NC (9 mi); Mayodan, NC (12 mi); Madison, NC (12 mi) — US Census Bureau populations.
What a personal loan costs in Wentworth
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
North Carolina lending rules that apply in Wentworth
The sourced rows below are the rules a licensed lender must follow when lending in North Carolina, and therefore in Wentworth.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wentworth
Before you share your details with a lender in Wentworth:
- 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.