Loans in Beaufort County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Beaufort County, NC.
The median household in Beaufort County earns $58,357 a year, 19% below the North Carolina median of $72,388. About 18% of residents live below the federal poverty line, and 30.5% of households rent their home. 11.7% of households have no home internet; our form works on any phone.
What you need for a personal loan in Beaufort County
Here's what to have on hand before you start your personal loan request in Beaufort County:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Beaufort County
What Beaufort County borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Beaufort County
Payday Loans Not available
Payday lending is not legal in North Carolina.
Personal Loans
Tiered caps: 33% on first $4,000, 24% to $8,000, 18% above.
Title Loans Not available
North Carolina has no title-loan law.
Banks and credit unions in Beaufort County
Banks with branches in Beaufort County
9 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Bank | 3 | 1311 Carolina Ave, Washington 27889 |
| First Bank | 2 | 639 W 15th St, Washington 27889 |
| Wells Fargo Bank, National Association | 1 | 1105 W 15th St, Washington 27889 |
| First National Bank of Pennsylvania | 1 | 1422 Carolina Ave, Washington 27889 |
| First-Citizens Bank & Trust Company | 1 | 1411 Carolina Ave, Washington 27889 |
| Southern Bank and Trust Company | 1 | 148 E Main St, Belhaven 27810 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Beaufort County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| State Employees' | 152 Whispering Pines Rd, Washington 27889 |
| Weyco Community | 1296 John Small Ave, Washington 27889 |
| Texas Gulf Carolina Emp | 1530 Nc Highway 306 S, Aurora 27806 |
Source: NCUA credit union branch data, June 30, 2026.
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Beaufort County?
Beaufort County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Beaufort County?
North Carolina has no title-loan law.
Where can I get a small loan in Beaufort County?
Options include 9 bank and 5 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Beaufort County?
Fill out our short online form from anywhere in Beaufort County. We share it with lenders in our network that serve North Carolina; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Beaufort County?
Yes. When an unexpected bill comes up, Beaufort County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I apply for a loan online in Beaufort County?
Yes. You don't need to visit a branch or storefront anywhere in Beaufort County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve North Carolina. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Beaufort County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Beaufort County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Beaufort County, NC?
You can apply at banks, credit unions and lenders in Beaufort County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve North Carolina residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.