Personal loans in Roxboro, NC

The roughly 8,212 people who live in Roxboro borrow under North Carolina rules; city hall sets no personal-loan rate. The Census counts 8,212 people in Roxboro, the 105th-largest figure among North Carolina's 549 places.

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

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A 2020-to-2023 comparison shows Roxboro up by about 1.1%. To lend to Roxboro's 8,212 residents, a company must hold a North Carolina licence, and each sourced row below names the regulator behind it. Pull your credit reports and line up at least three offers before you apply from Roxboro. Borrowers who want a bigger city can look to Oxford, NC about 22 miles away.

Roxboro by the numbers

Most of what governs a Roxboro loan is written in North Carolina law rather than in the city; the sourced notes below make that split concrete.

Population: 8,212 residents; Roxboro is the 105th-largest of 549 places in North Carolina (US Census Bureau, Vintage 2023).
Population trend: A gain of roughly 1.1% between 2020 and 2023.
Net change: roughly 87 more people than the 2020 Census counted.
Size percentile: roughly 81% of North Carolina places rank below Roxboro.
Density: roughly 1,108 residents per square mile, spread over 7.4 sq mi of land.
Land area: Roxboro covers 7.4 square miles, the 128th-largest area among North Carolina's 549 places.
Water area: Roxboro has 0.01 square miles of water, ranking 242nd of 549 places in North Carolina.
Within North Carolina: about 0.1% of the state's population lives in Roxboro.
National rank: Roxboro is the 3,624th most populous of the 19,457 Census places covered here.
Growth rank: Roxboro ranks 329th among North Carolina's 549 places for the 2020-to-2023 change.
State comparison: North Carolina's places average +2.9% for 2020-to-2023, against Roxboro's 1.1%.
Density rank: Roxboro places 144th among North Carolina's places by people per square mile.
Density vs North Carolina: Roxboro's 1,108 people per square mile compare with a state median of 758.
Location: it lies at 36.3946, -78.9773 in the Census Gazetteer.
Nearest larger cities: Oxford (22 mi); Hillsborough (23 mi); Danville (27 mi); Mebane (27 mi); Durham (29 mi). Lenders licensed in the state serve Roxboro whether or not they keep a local branch.
Smaller towns nearby: Virgilina (15 mi); Milton (16 mi); Yanceyville (20 mi).
Smaller neighbours: 37 places smaller than Roxboro sit within 50 miles.
Within 100 miles: 61 places are larger than Roxboro.

The state rulebook for Roxboro

For the roughly 8,212 residents of Roxboro, the rules below are North Carolina's own; each row carries its publisher and retrieval date.

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

Borrowing reach in Roxboro

Roxboro is a moderately settled community of about 8,212 people, with 21 larger places inside a 50-mile radius. Lenders licensed in North Carolina reach Roxboro's 8,212 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Oxford, NC about 22 miles away.

Where Roxboro sits

Roxboro covers about 7.4 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,108 residents per square mile. For the state's biggest city, Charlotte, the distance is roughly 132 miles. Roxboro has 21 larger places within a 50-mile radius. The 100-mile radius contains 61 larger places.

The anatomy of a Roxboro personal loan

Most loans made to Roxboro's 8,212 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Roxboro can be quoted different APRs on the same amount and term. The term you choose in Roxboro decides the split between a comfortable payment and the total interest you pay.

A pre-application checklist for Roxboro

These steps shape the offer you get in Roxboro, a place of about 8,212 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Use the loan calculator to test the payment on your intended amount and term.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Verify the lender's North Carolina licence with the regulator listed on this page.
Be clear on what the loan is for and how it gets repaid.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Check the disclosure for fees that raise the true cost above the quoted rate.

What differs between Roxboro and the rest of North Carolina is not the process but the borrower's own file, among the 8,212 people here.

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Common questions

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

What loan size can I expect in Roxboro?

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 Roxboro?

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 Roxboro 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

Virgilina, VA — population 120
Milton, NC — population 154
Stem, NC — population 1,015
South Boston, VA — population 7,803
Hillsborough, NC — population 9,757
Butner, NC — population 8,108
Yanceyville, NC — population 2,002
Halifax, VA — population 1,091