Loans in Onslow County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Onslow County, NC.
The median household in Onslow County earns $68,148 a year, 6% below the North Carolina median of $72,388. About 12% of residents live below the federal poverty line, and 36.3% of households rent their home.
What you need for a personal loan in Onslow County
Most Onslow 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 Onslow County
What Onslow County borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Onslow 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 Onslow County
Banks with branches in Onslow County
19 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First-Citizens Bank & Trust Company | 5 | 302 Western Blvd, Jacksonville 28546 |
| Providence Bank | 3 | 2414 N Marine Blvd, Jacksonville 28546 |
| Wells Fargo Bank, National Association | 2 | 146 Western Blvd, Jacksonville 28546 |
| Truist Bank | 2 | 2675 Western Blvd, Jacksonville 28546 |
| First Bank | 2 | 827 New Bridge St, Jacksonville 28540 |
| FSNB, National Association | 1 | 2025 N Marine Blvd, Jacksonville 28546 |
| Bank of America, National Association | 1 | 1726 Country Club Rd, Jacksonville 28546 |
| First National Bank of Pennsylvania | 1 | 118 Western Blvd, Jacksonville 28546 |
| PNC Bank, National Association | 1 | 2885 Western Blvd, Jacksonville 28546 |
| Woodforest National Bank | 1 | 561 Yopp Rd, Jacksonville 28540 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Onslow County
17 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Marine | 4180 Western Blvd, Jacksonville 28546 |
| Navy Federal Credit Union | 1109 W Corbett Ave, Swansboro 28584 |
| State Employees' | 114 N Plain Rd, Jacksonville 28546 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Onslow County
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Onslow County?
Onslow County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Onslow County?
North Carolina has no title-loan law.
Where can I get a small loan in Onslow County?
Options include 19 bank and 17 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 Onslow County?
Fill out our short online form from anywhere in Onslow 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 Onslow County?
Yes. When an unexpected bill comes up, Onslow 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.
Where can I get a loan in Onslow County, NC?
You can apply at banks, credit unions and lenders in Onslow 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 a loan in Onslow 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. Onslow County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Onslow County?
Yes. You don't need to visit a branch or storefront anywhere in Onslow 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.