Loans in Guilford County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Guilford County, NC.
The median household in Guilford County earns $68,642 a year, 5% below the North Carolina median of $72,388. About 15% of residents live below the federal poverty line, and 40.1% of households rent their home.
What you need for a personal loan in Guilford County
Lenders that serve Guilford 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 Guilford County
What Guilford County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Guilford 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 Guilford County
Banks with branches in Guilford County
108 FDIC-insured bank branches from 22 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 17 | 620 N Main St, High Point 27260 |
| Wells Fargo Bank, National Association | 15 | 3608 W Gate City Blvd, Greensboro 27407 |
| Pinnacle Bank | 10 | 300 N Main St, High Point 27260 |
| Bank of America, National Association | 10 | 1616 E Bessemer Ave, Greensboro 27405 |
| First-Citizens Bank & Trust Company | 8 | 3200 Randleman Rd, Greensboro 27406 |
| First Bank | 6 | 1200 N Main St, High Point 27262 |
| First National Bank of Pennsylvania | 6 | 2132 New Garden Rd, Greensboro 27410 |
| Bank of Oak Ridge | 5 | 2211 Oak Ridge Rd, Oak Ridge 27310 |
| The Fidelity Bank | 5 | 237 E Main St, Gibsonville 27249 |
| Woodforest National Bank | 5 | 4424 W Wendover Ave, Greensboro 27407 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Guilford County
53 credit-union locations from 19 credit unions.
| Credit union | Location |
|---|---|
| Credit Human | 620 Green Valley Rd, Greensboro 27408 |
| American Partners | 107 Muirs Chapel Rd, Greensboro 27410 |
| Revity | 217 N Greene St, Greensboro 27401 |
| Acclaim | 1823 Banking St, Greensboro 27408 |
| State Employees' | 1201 New Garden Rd, Greensboro 27410 |
| Civic | 1622 Stanley Rd, Greensboro 27407 |
| Truliant | 2914 S Elm Eugene St, Greensboro 27406 |
| Allegacy Financial | 3314 Battleground Ave, Greensboro 27410 |
| Latino Community | 106 Muirs Chapel Rd, Greensboro 27410 |
| Skyla | 1400 Yanceyville St, Greensboro 27405 |
| Self-Help | 3400 Battleground Ave, Greensboro 27410 |
| Honda | 6430 Ballinger Rd, Greensboro 27410 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Guilford County
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Guilford County?
Guilford County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Guilford County?
North Carolina has no title-loan law.
Where can I get a small loan in Guilford County?
Options include 108 bank and 53 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 Guilford County?
Fill out our short online form from anywhere in Guilford 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 Guilford County?
Yes. When an unexpected bill comes up, Guilford 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 get a loan in Guilford County with bad credit?
Yes, many lenders in our network work with Guilford 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.
Where can I get a loan in Guilford County, NC?
You can apply at banks, credit unions and lenders in Guilford 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 apply for a loan online in Guilford County?
Yes. You don't need to visit a branch or storefront anywhere in Guilford 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.