Personal loans in Jamesville, NC

Two households in Jamesville with comparable incomes can still be offered different rates; the city's 410 residents are not the reason. An estimated 410 people make their home in Jamesville, a figure that ranks 441st in North Carolina.

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

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A 2020-to-2023 comparison shows Jamesville down by about 3.1%. A lender that serves Jamesville operates under North Carolina lending statutes and a North Carolina supervisor. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Jamesville loan. A larger market lies at Plymouth, NC about 9 miles away.

Where Jamesville stands

The figures below are Jamesville's own — Census population, land area and coordinates — followed by the North Carolina rules.

Population: the Census counts 410 residents in Jamesville (Vintage 2023 subcounty estimate), the 441st-largest figure among North Carolina's 549 places.
Population trend: The 2020-to-2023 change is negative, near 3.1%.
Change in people: the 2020-to-2023 comparison is a loss of about 13 residents.
Size percentile: roughly 20% of North Carolina's places have fewer residents than Jamesville's 410.
Population density: 282 people per square mile on 1.5 square miles of land.
By land area: Jamesville ranks 376th among North Carolina's 549 places, at 1.5 sq mi.
State population share: Jamesville accounts for about 0.0% of everyone in North Carolina.
National rank: Jamesville is the 14,000th most populous of the 19,457 Census places covered here.
Growth in North Carolina: Jamesville stands 511th by percentage change from 2020 to 2023, among 549 places.
State comparison: North Carolina's places average +2.9% for 2020-to-2023, against Jamesville's 3.1%.
Density in North Carolina: Jamesville ranks 456th by people per square mile.
Density in context: Jamesville's 282 people per square mile sit against a North Carolina median of 758.
Location: coordinates 35.8122, -76.9002 (US Census Bureau Gazetteer).
Nearest larger cities: Plymouth (9 mi); Williamston (10 mi); Windsor (13 mi); Roper (17 mi); Washington (20 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller towns nearby: Bear Grass (13 mi); Everetts (15 mi); Hamilton (19 mi).
Smaller places within 50 miles: 36 of them.
Within 100 miles: 152 places are larger than Jamesville.

Jamesville's place among North Carolina's 549 places

Within North Carolina, Jamesville holds roughly 0.0% of all residents, the 441st-largest share among 549 places. For population change between 2020 and 2023, Jamesville ranks 511th of 549 in North Carolina (about the 7th percentile). By density, at about 282 people per square mile, it ranks 456th in North Carolina. Within 50 miles sit 36 smaller Census places, alongside the 39 that are larger.

The anatomy of a Jamesville personal loan

A Jamesville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 410 residents. The APR tracks your credit score rather than Jamesville's rank of 441st in North Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Jamesville loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Jamesville

With about 282 residents per square mile, Jamesville is lightly settled, and 39 larger Census places sit within 50 miles. What is available to Jamesville's 410 borrowers is set by North Carolina licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Plymouth, NC about 9 miles away.

What North Carolina law requires in Jamesville

North Carolina has no separate rate rule for Jamesville; the sourced rows below are what reach every lender that serves its 410 people.

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
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
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

Jamesville on the map

Inside Jamesville's boundaries lie about 1.5 square miles of land, with no significant water area recorded. Spread across it are roughly 282 residents per square mile. The largest place in North Carolina, Charlotte, lies about 225 miles away. Counting outward 50 miles, 39 larger communities surround Jamesville. By land area it ranks 376th of 549 North Carolina places.

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Common questions

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

What loan size can I expect in Jamesville?

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 Jamesville?

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 Jamesville 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

Plymouth, NC — population 3,204
Williamston, NC — population 5,051
Windsor, NC — population 3,250
Bear Grass, NC — population 84
Everetts, NC — population 149
Roper, NC — population 476
Washington, NC — population 9,683
Askewville, NC — population 177