Loans in Union County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, NC.
The median household in Union County earns $102,900 a year, 42% above the North Carolina median of $72,388. About 8% of residents live below the federal poverty line, and 18.4% of households rent their home.
What you need for a personal loan in Union County
Here's what to have on hand before you start your personal loan request in Union 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 Union County
What Union County borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Union 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 Union County
Banks with branches in Union County
33 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 7 | 512 N Hayne St, Monroe 28112 |
| First-Citizens Bank & Trust Company | 4 | 111 E Jefferson St, Monroe 28112 |
| Bank of America, National Association | 3 | 901 E Roosevelt Blvd, Monroe 28112 |
| Wells Fargo Bank, National Association | 3 | 1989 Dickerson Blvd, Monroe 28110 |
| SouthState Bank, National Association | 3 | 2742 W Roosevelt Blvd, Monroe 28110 |
| Fifth Third Bank, National Association | 3 | 4240 Old Monroe Rd, Indian Trail 28079 |
| American Bank of the Carolinas | 3 | 312 N Charlotte Ave, Monroe 28112 |
| First National Bank of Pennsylvania | 2 | 2593 W Roosevelt Blvd, Monroe 28110 |
| JPMorgan Chase Bank, National Association | 2 | 6450 Weddington Rd, Wesley Chapel 28104 |
| PNC Bank, National Association | 1 | 1730 Dickerson Blvd, Monroe 28110 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Union County
9 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Founders | 1908 Old Charlotte Hwy, Monroe 28110 |
| Carolina Cooperative | 2515 W Roosevelt Blvd Ste A, Monroe 28110 |
| State Employees' | 3934 S Providence Rd, Waxhaw 28173 |
| Allegacy Financial | 307 Unionville Indian Trail Rd W, Indian Trail 28079 |
| Latino Community | 2980 Monroe Way, Monroe 28110 |
| Allvac Savings And | 2020 Ashcraft Ave, Monroe 28110 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Union County
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Union County?
North Carolina has no title-loan law.
Where can I get a small loan in Union County?
Options include 33 bank and 9 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 Union County?
Fill out our short online form from anywhere in Union 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 Union County?
Yes. When an unexpected bill comes up, Union 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 Union 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. Union County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Union County, NC?
You can apply at banks, credit unions and lenders in Union 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 Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union 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.