Loans in Richmond County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Richmond County, NC.
The median household in Richmond County earns $44,883 a year, 38% below the North Carolina median of $72,388. About 25% of residents live below the federal poverty line, and 34.1% of households rent their home. 11.3% of households have no home internet; our form works on any phone.
What you need for a personal loan in Richmond County
Lenders that serve Richmond 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 Richmond County
What Richmond County borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Richmond 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 Richmond County
Banks with branches in Richmond County
6 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 2 | 8 Raleigh St, Hamlet 28345 |
| The Fidelity Bank | 1 | 532 E Broad Ave, Rockingham 28379 |
| PNC Bank, National Association | 1 | 104 W Washington St, Rockingham 28379 |
| First Bank | 1 | 1254 E Broad Ave, Rockingham 28379 |
| FSNB, National Association | 1 | 720 E Us Highway 74, Rockingham 28379 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Richmond County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| State Employees' | 114 W Franklin St, Rockingham 28379 |
| Rev | 302 Charlotte St, Hamlet 28345 |
Source: NCUA credit union branch data, June 30, 2026.
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Richmond County?
Richmond County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Richmond County?
North Carolina has no title-loan law.
Where can I get a small loan in Richmond County?
Options include 6 bank and 3 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 Richmond County?
Fill out our short online form from anywhere in Richmond 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 Richmond 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. Richmond County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Richmond County?
Yes. When an unexpected bill comes up, Richmond 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 apply for a loan online in Richmond County?
Yes. You don't need to visit a branch or storefront anywhere in Richmond 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 Richmond County, NC?
You can apply at banks, credit unions and lenders in Richmond 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.