Loans in Craven County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Craven County, NC.
The median household in Craven County earns $65,873 a year, 9% below the North Carolina median of $72,388. About 14% of residents live below the federal poverty line, and 31.6% of households rent their home. 12.6% of households have no home internet; our form works on any phone.
What you need for a personal loan in Craven County
Lenders that serve Craven County typically ask for the following:
- 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 Craven County
What Craven County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Craven 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 Craven County
Banks with branches in Craven County
18 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 4 | 3509 Dr M L King Jr Blvd, New Bern 28562 |
| First-Citizens Bank & Trust Company | 4 | 132 E Main St, Havelock 28532 |
| Wells Fargo Bank, National Association | 2 | 8123 Main Street (u.S. 17), Vanceboro 28586 |
| United Bank | 2 | 1725 S Glenburnie Rd, New Bern 28562 |
| Woodforest National Bank | 2 | 3105 Martin Luther King Jr Blvd, New Bern 28562 |
| Bank of America, National Association | 1 | 3131 M L King Jr Blvd, New Bern 28562 |
| PNC Bank, National Association | 1 | 3360 Dr. M L King Boulevard, New Bern 28562 |
| First National Bank of Pennsylvania | 1 | 513 Mccarthy Blvd, New Bern 28562 |
| Southern Bank and Trust Company | 1 | 1319 Commerce Drive, New Bern 28560 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Craven County
7 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Marine | 2034 Waterscape Way, New Bern 28562 |
| First Flight | 3127 M L King Jr Blvd, New Bern 28562 |
| Navy Federal Credit Union | 121 Us Highway 70 W, Havelock 28532 |
| State Employees' | 3001 Elizabeth Ave, New Bern 28562 |
| Weyco Community | 1785 Weyerhaeuser Rd, Vanceboro 28586 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Craven County
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Craven County?
Craven County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Craven County?
North Carolina has no title-loan law.
Where can I get a small loan in Craven County?
Options include 18 bank and 7 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 Craven County?
Fill out our short online form from anywhere in Craven 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 a loan in Craven County with bad credit?
Yes, many lenders in our network work with Craven County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get an emergency loan in Craven County?
Yes. When an unexpected bill comes up, Craven 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 Craven County?
Yes. You don't need to visit a branch or storefront anywhere in Craven 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 Craven 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. Craven County residents can start any time, and it takes about 3 minutes.