Loans in Gaston County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Gaston County, NC.
The median household in Gaston County earns $67,478 a year, 7% below the North Carolina median of $72,388. About 14% of residents live below the federal poverty line, and 33.2% of households rent their home.
What you need for a personal loan in Gaston County
Here's what to have on hand before you start your personal loan request in Gaston 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 Gaston County
What Gaston County borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Gaston 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 Gaston County
Banks with branches in Gaston County
43 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 7 | 265 W Franklin Blvd, Gastonia 28052 |
| SouthState Bank, National Association | 5 | 519 S New Hope Rd, Gastonia 28054 |
| Wells Fargo Bank, National Association | 5 | 101 S Main St, Mount Holly 28120 |
| Woodforest National Bank | 4 | 701 Hawley Ave, Belmont 28012 |
| First Horizon Bank | 3 | 804 S New Hope Rd, Gastonia 28054 |
| Bank of America, National Association | 3 | 2401 W Franklin Blvd, Gastonia 28052 |
| The Fidelity Bank | 3 | 2933 Union Rd, Gastonia 28054 |
| Bank OZK | 3 | 529 S New Hope Rd, Gastonia 28054 |
| Commercial Bank | 2 | 292 W Main Ave, Gastonia 28052 |
| JPMorgan Chase Bank, National Association | 2 | 2516 E Franklin Blvd, Gastonia 28056 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Gaston County
12 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Carolina Cooperative | 1207 Bessemer City Rd, Gastonia 28052 |
| Carolina | 1200 E Church St, Cherryville 28021 |
| Lithium | 119 W Pennsylvania Ave, Bessemer City 28016 |
| State Employees' | 584 Cox Rd, Gastonia 28054 |
| Truliant | 3351 E Franklin Blvd Ste 106, Gastonia 28056 |
| Allegacy Financial | 6425 W Wilkinson Blvd Ste F, Belmont 28012 |
| Skyla | 830 Groves St, Lowell 28098 |
| Sharonview | 2508 E Franklin Blvd, Gastonia 28056 |
| Members | 1475 N New Hope Rd, Gastonia 28054 |
| Carolinas Telco | 324 Burtonwood Dr, Gastonia 28054 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Gaston County
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Gaston County?
Gaston County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Gaston County?
North Carolina has no title-loan law.
Where can I get a small loan in Gaston County?
Options include 43 bank and 12 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 Gaston County?
Fill out our short online form from anywhere in Gaston 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 Gaston 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. Gaston County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Gaston County?
Yes. You don't need to visit a branch or storefront anywhere in Gaston 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.
Where can I get a loan in Gaston County, NC?
You can apply at banks, credit unions and lenders in Gaston 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.
Can I get an emergency loan in Gaston County?
Yes. When an unexpected bill comes up, Gaston 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.