Personal loans in Beaufort, NC

Beaufort is one of 549 Census places in North Carolina; its 4,804 residents put it at 151st. If you are weighing a personal loan in Beaufort, start from the payment you can carry; its 4,804 residents face the same statewide rules.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Pull your credit reports and line up at least three offers before you apply from Beaufort. For the 4,804 people in Beaufort, North Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Census figures put the 2020-to-2023 increase in Beaufort at about 7.7%. The closest larger place is Morehead City, NC about 5 miles away.

Borrowing in Beaufort: the local picture

Here is the sourced Census picture for Beaufort, plus the North Carolina lending rules that apply to a loan taken out here.

Beaufort on the map

Beaufort's land area is about 5.1 square miles; a further 2.74 square miles is water. With 4,804 residents, the land area yields roughly 937 people per square mile. The largest place in North Carolina, Charlotte, lies about 239 miles away. A 50-mile radius around Beaufort takes in 4 places that are larger. By land area it ranks 175th of 549 North Carolina places.

Which North Carolina laws govern a loan in Beaufort

North Carolina has no separate rate rule for Beaufort; the sourced rows below are what reach every lender that serves its 4,804 people.

RuleDetailSource
State lending regulatorNorth 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
Small-loan / installment lender licensingConsumer 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
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

The anatomy of a Beaufort personal loan

In Beaufort, a small community of about 4,804, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Beaufort can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Beaufort loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Beaufort borrowers

With about 937 residents per square mile, Beaufort is moderately settled, and 4 larger Census places sit within 50 miles. Lenders licensed in North Carolina reach Beaufort's 4,804 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Morehead City, NC about 5 miles away.

How Beaufort compares across North Carolina

Against North Carolina's other places, Beaufort accounts for about 0.1% of the state's population and ranks 151st of 549 by size. On the 2020-to-2023 trend, Beaufort stands 55th among North Carolina's 549 places — roughly the 90th percentile. Its roughly 937 residents per square mile place it 199th among North Carolina's places. Within 50 miles sit 29 smaller Census places, alongside the 4 that are larger.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Beaufort if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Beaufort is the same as anywhere in North Carolina.
What loan size can I expect in Beaufort?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Beaufort?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Beaufort cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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