Personal loans in Spruce Pine, NC

Population in Spruce Pine dropped about 0.4% over the three years from 2020 to 2023. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Spruce Pine loan. The next larger city is Marion, NC about 17 miles away. A lender that serves Spruce Pine operates under North Carolina lending statutes and a North Carolina supervisor.

The Spruce Pine data picture

Here is the sourced Census picture for Spruce Pine, plus the North Carolina lending rules that apply to a loan taken out here.

• Population: the Census counts 2,191 residents in Spruce Pine (Vintage 2023 subcounty estimate), the 251st-largest figure among North Carolina's 549 places.
• Population trend: Down about 0.4% from the 2020 Census base to the 2023 estimate.
• Absolute change: 8 residents lost between 2020 and 2023.
• Size percentile: about 54% of North Carolina communities are smaller than Spruce Pine (2,191 residents).
• Density: the Census land area of 4.1 sq mi holds about 540 people per square mile.
• By land area: Spruce Pine ranks 200th among North Carolina's 549 places, at 4.1 sq mi.
• Within North Carolina: about 0.0% of the state's population lives in Spruce Pine.
• National rank: Spruce Pine is the 7,299th most populous of the 19,457 Census places covered here.
• Growth rank: Spruce Pine's 2020-to-2023 change ranks 433rd of 549 places in North Carolina.
• Versus North Carolina: the state average change is +2.9%, while Spruce Pine moved 0.4%.
• Density rank: Spruce Pine is the 354th most densely settled place in North Carolina.
• Density in context: Spruce Pine's 540 people per square mile sit against a North Carolina median of 758.
• Location: latitude 35.9140, longitude -82.0697 (Census Gazetteer).
• Nearest larger cities: Marion (17 mi); Morganton (24 mi); Erwin (25 mi); Black Mountain (25 mi); Unicoi (26 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Bakersville (9 mi); Crossnore (11 mi); Burnsville (13 mi).
• Smaller neighbours: 44 places smaller than Spruce Pine sit within 50 miles.
• Within 100 miles: 158 places are larger than Spruce Pine.

Which North Carolina laws govern a loan in Spruce Pine

When North Carolina does not publish a figure, the row links to the source instead of inventing a number; Spruce Pine is bound by the same rules.

What a Spruce Pine borrower is actually offered

Spruce Pine is a small community of about 2,191 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Spruce Pine's 2,191 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Spruce Pine loan but raises total interest, so the smallest payment is not the cheapest loan.

Spruce Pine: area, density and distance

Inside Spruce Pine's boundaries lie about 4.1 square miles of land, with no significant water area recorded. With 2,191 residents, the land area yields roughly 540 people per square mile. Charlotte, the largest place in North Carolina, is about 85 miles from Spruce Pine. Spruce Pine has 37 larger places within a 50-mile radius. Within the same 50 miles lie 44 smaller Census places.

Spruce Pine against the rest of North Carolina

Within North Carolina, Spruce Pine holds roughly 0.0% of all residents, the 251st-largest share among 549 places. On the 2020-to-2023 trend, Spruce Pine stands 433rd among North Carolina's 549 places — roughly the 21th percentile. By density, at about 540 people per square mile, it ranks 354th in North Carolina. The population moved by about 8 people between 2020 and 2023, a 0.4% shift.

What is available to Spruce Pine borrowers

Spruce Pine is a moderately settled community of about 2,191 people, with 37 larger places inside a 50-mile radius. Distance to a branch rarely matters for Spruce Pine's 2,191 residents: the application is online and the price follows your credit file. The nearest larger city, Marion, NC about 17 miles away.