Personal loans in Enfield, NC

For a borrower among the roughly 1,798 residents of Enfield, a personal loan is a tool whose cost turns on the terms, not the address. Pull your credit reports and line up at least three offers before you apply from Enfield.

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

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Enfield is one of 549 Census places in North Carolina; its 1,798 residents put it at 262nd. For the 1,798 people in Enfield, North Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The 2020 count to the 2023 estimate shows about 3.4% decline in Enfield. Borrowers who want a bigger city can look to Red Oak, NC about 15 miles away.

Local context for Enfield

What follows is Enfield's place in the Census record, alongside the North Carolina rules that govern a personal loan made here.

Population: about 1,798 people live here, which puts Enfield 262nd of 549 Census places in North Carolina (Vintage 2023).
Population trend: Lower by roughly 3.4% since the 2020 count.
Change in people: the 2020-to-2023 comparison is a loss of about 63 residents.
Size percentile: about 52% of North Carolina's Census places are smaller than Enfield.
Land and density: 1.3 square miles of land carry roughly 1,382 residents per square mile.
By land area: Enfield ranks 393rd among North Carolina's 549 places, at 1.3 sq mi.
State population share: Enfield accounts for about 0.0% of everyone in North Carolina.
National rank: Enfield is the 8,013th most populous of the 19,457 Census places covered here.
Growth rank: Enfield's 2020-to-2023 change ranks 518th of 549 places in North Carolina.
Versus North Carolina: the state average change is +2.9%, while Enfield moved 3.4%.
Density rank: Enfield is the 88th most densely settled place in North Carolina.
Density in context: Enfield's 1,382 people per square mile sit against a North Carolina median of 758.
Location: latitude 36.1799, longitude -77.6690 (Census Gazetteer).
Nearest larger cities: Red Oak (15 mi); Rocky Mount (17 mi); Roanoke Rapids (18 mi); Tarboro (20 mi); Nashville (22 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller places: Whitakers (6 mi); Halifax (11 mi); Leggett (14 mi).
Smaller neighbours: 76 places smaller than Enfield sit within 50 miles.
Larger places within 100 miles: 99.

Lender access in Enfield

Enfield is a moderately settled community of about 1,798 people, with 23 larger places inside a 50-mile radius. Lenders licensed in North Carolina reach Enfield's 1,798 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Red Oak, NC about 15 miles away.

How Enfield compares across North Carolina

Within North Carolina, Enfield holds roughly 0.0% of all residents, the 262nd-largest share among 549 places. For population change between 2020 and 2023, Enfield ranks 518th of 549 in North Carolina (about the 6th percentile). Its roughly 1,382 residents per square mile place it 88th among North Carolina's places. Between 2020 and 2023 the count changed by roughly 63 residents.

Steps to take before a Enfield loan

A sensible order of operations for a loan in Enfield, home to about 1,798 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Get several pre-qualifications and compare APR side by side before choosing.
Verify the lender's North Carolina licence with the regulator listed on this page.
Weigh a shorter term's higher payment against the interest it saves.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.

In Enfield as elsewhere in North Carolina, the written terms — not the advertisement — are what count for its 1,798 residents.

How North Carolina law applies in Enfield

Every row below records a North Carolina rule, its publisher and its retrieval date — the same rules a Enfield lender must follow.

Rule	Detail	Source
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

Where Enfield sits

Enfield's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,382 people per square mile. For the state's biggest city, Charlotte, the distance is roughly 190 miles. Enfield has 23 larger places within a 50-mile radius. The 100-mile radius contains 99 larger places.

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Common questions

What are my options in Enfield 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 Enfield is the same as anywhere in North Carolina.

What loan size can I expect in Enfield?

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 Enfield?

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 Enfield 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.

Nearby places

Whitakers, NC — population 637
Halifax, NC — population 161
Leggett, NC — population 37
Weldon, NC — population 1,383
Dortches, NC — population 1,113
Scotland Neck, NC — population 1,598
Rocky Mount, NC — population 54,245
Red Oak, NC — population 3,425