Loans in Randolph County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Randolph County, NC.
The median household in Randolph County earns $61,022 a year, 16% below the North Carolina median of $72,388. About 14% of residents live below the federal poverty line, and 27.5% of households rent their home.
What you need for a personal loan in Randolph County
Here's what to have on hand before you start your personal loan request in Randolph 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 Randolph County
What Randolph County borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Randolph 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 Randolph County
Banks with branches in Randolph County
23 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Horizon Bank | 3 | 101 Sunset Ave, Asheboro 27203 |
| Pinnacle Bank | 3 | 175 N Fayetteville St, Asheboro 27203 |
| The Fidelity Bank | 3 | 258 W Swannanoa Ave, Liberty 27298 |
| First Bank | 3 | 11410 N Main St, Archdale 27263 |
| PNC Bank, National Association | 2 | 1425 E Dixie Dr, Asheboro 27203 |
| Wells Fargo Bank, National Association | 2 | 1421 E Dixie Dr, Asheboro 27203 |
| Truist Bank | 2 | 151 S Fayetteville St, Liberty 27298 |
| Woodforest National Bank | 2 | 1226 E Dixie Dr, Asheboro 27203 |
| First-Citizens Bank & Trust Company | 1 | 11613 N Main St, Archdale 27263 |
| Bank OZK | 1 | 1107 S Church St, Asheboro 27203 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Randolph County
7 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | Building 603, Suite 100, Liberty 27298 |
| State Employees' | 10305 N Main St, Archdale 27263 |
| Truliant | 1055 E Dixie Dr, Asheboro 27203 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Randolph County
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Randolph County?
Randolph County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Randolph County?
North Carolina has no title-loan law.
Where can I get a small loan in Randolph County?
Options include 23 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 Randolph County?
Fill out our short online form from anywhere in Randolph 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.
Where can I get a loan in Randolph County, NC?
You can apply at banks, credit unions and lenders in Randolph 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 Randolph County with bad credit?
Yes, many lenders in our network work with Randolph 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 a loan in Randolph 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. Randolph County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Randolph County?
Yes. You don't need to visit a branch or storefront anywhere in Randolph 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.