Personal loans in Ellerbe, NC

Ellerbe is a small community in North Carolina, with an estimated 843 residents, and every licensed lender here follows the same state rulebook. About 843 people live in Ellerbe, placing it 353rd of 549 Census 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.

Population in Ellerbe dropped about 1.6% over the three years from 2020 to 2023. To lend to Ellerbe's 843 residents, a company must hold a North Carolina licence, and each sourced row below names the regulator behind it. Work out your debt-to-income ratio first; lenders weigh it heavily, and Ellerbe's 843 residents are no exception. The nearest larger city is Rockingham, NC about 9 miles away.

Ellerbe: population, trend and location

Set out below is Ellerbe's local context next to the state-level rules that reach every lender here.

The North Carolina lending rules that reach Ellerbe

The rows below set out what a licensed lender must follow in North Carolina, and so for Ellerbe's roughly 843 residents.

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
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

What shapes a Ellerbe personal loan

Ellerbe is a small community of about 843 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Ellerbe's 843 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Ellerbe loan is knowable in advance — unlike a revolving card balance.

The Ellerbe borrowing checklist

Before you hand your details to a lender in Ellerbe, where the population is near 843:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  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. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Ellerbe-specific: the same North Carolina licensing and disclosure rules reach all 843 residents.

Ellerbe's place among North Carolina's 549 places

Among North Carolina's 549 places, Ellerbe sits at 353rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Ellerbe stands 484th among North Carolina's 549 places — roughly the 12th percentile. Its roughly 641 residents per square mile place it 307th among North Carolina's places. Within 50 miles sit 33 smaller Census places, alongside the 55 that are larger.

Land, water and location for Ellerbe

Ellerbe covers about 1.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 843 residents, the land area yields roughly 641 people per square mile. The state's population centre of gravity, Charlotte, is roughly 61 miles away. Within 50 miles of Ellerbe there are 55 larger Census places. The 100-mile radius contains 237 larger places.

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 Ellerbe 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 Ellerbe is the same as anywhere in North Carolina.
What loan size can I expect in Ellerbe?
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 Ellerbe?
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 Ellerbe 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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