Loans in Iredell County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Iredell County, NC.
The median household in Iredell County earns $81,419 a year, 12% above the North Carolina median of $72,388. About 10% of residents live below the federal poverty line, and 28.1% of households rent their home.
What you need for a personal loan in Iredell County
Most Iredell County applicants can finish in one sitting if they have these ready:
- 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 Iredell County
What Iredell County borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Iredell 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 Iredell County
Banks with branches in Iredell County
43 FDIC-insured bank branches from 19 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 5 | 153 N Main St, Mooresville 28115 |
| First National Bank of Pennsylvania | 4 | 325 E Front St, Statesville 28677 |
| Truist Bank | 4 | 500 E Broad St, Statesville 28677 |
| Bank of America, National Association | 3 | 314 N Main St, Mooresville 28115 |
| First Horizon Bank | 3 | 1439 W Memorial Hwy, Harmony 28634 |
| JPMorgan Chase Bank, National Association | 3 | 185 Williamson Rd, Mooresville 28117 |
| First Bank | 2 | 108 Gateway Blvd, Mooresville 28117 |
| First-Citizens Bank & Trust Company | 2 | 204 E Broad St, Statesville 28677 |
| Fifth Third Bank, National Association | 2 | 329 N Main St, Mooresville 28115 |
| PNC Bank, National Association | 2 | 212 E Broad St, Statesville 28677 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Iredell County
7 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| State Employees' | 1742 Wilkesboro Hwy, Statesville 28625 |
| United | 209 Turnersburg Hwy, Statesville 28625 |
| Allegacy Financial | 837 Williamson Rd, Mooresville 28117 |
| Members | 1913 W Front St, Statesville 28677 |
| Piedmont Advantage Credit Union | 139 S Cardigan Way, Mooresville 28117 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Iredell County
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Iredell County?
Iredell County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Iredell County?
North Carolina has no title-loan law.
Where can I get a small loan in Iredell County?
Options include 43 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 Iredell County?
Fill out our short online form from anywhere in Iredell 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 Iredell County?
Yes. When an unexpected bill comes up, Iredell 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 Iredell 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. Iredell County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Iredell County, NC?
You can apply at banks, credit unions and lenders in Iredell 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 Iredell County?
Yes. You don't need to visit a branch or storefront anywhere in Iredell 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.