Personal loans in Cameron, NC

The trend for Cameron between 2020 and 2023 is upward by roughly 7.1%. With an estimated 258 residents, Cameron is the 487th-largest of 549 places in North Carolina.

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.

If you are weighing a personal loan in Cameron, start from the payment you can carry; its 258 residents face the same statewide rules. Verify the lender's North Carolina licence against the regulator named below before borrowing in Cameron. Which products a lender may offer to Cameron's 258 residents follows from the North Carolina consumer-lending framework. The nearest larger metro is Vass, NC about 5 miles away.

The Cameron data picture

Only a few things actually differ by place — population, area, location, and the North Carolina rules a lender must follow — and they are below.

Where Cameron sits

Inside Cameron's boundaries lie about 1.2 square miles of land, with no significant water area recorded. With 258 residents, the land area yields roughly 213 people per square mile. Charlotte, the largest place in North Carolina, is about 89 miles from Cameron. Cameron has 72 larger places within a 50-mile radius. Within the same 50 miles lie 8 smaller Census places.

Before you apply in Cameron

Before you apply in Cameron, a community of about 258, work through these steps:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the North Carolina regulator's licence list.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Write down the purpose of the loan and your repayment plan before you apply.

In Cameron as elsewhere in North Carolina, the written terms — not the advertisement — are what count for its 258 residents.

The state rulebook for Cameron

These are North Carolina's sourced lending facts as they reach Cameron's 258 residents; the state has no city-level rate rule.

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

How lenders reach Cameron

Cameron is a lightly settled community of about 258 people, with 72 larger places inside a 50-mile radius. Lenders licensed in North Carolina reach Cameron's 258 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Vass, NC about 5 miles away.

Cameron in state context

Cameron is the 487th-largest of 549 Census places in North Carolina and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 59th of 549 North Carolina places, putting it near the 89th percentile for growth. By density, at about 213 people per square mile, it ranks 485th in North Carolina. Within 50 miles sit 8 smaller Census places, alongside the 72 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 Cameron 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 Cameron is the same as anywhere in North Carolina.
What loan size can I expect in Cameron?
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 Cameron?
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 Cameron 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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