Loans in Wayne County, NC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wayne County, NC.
The median household in Wayne County earns $59,733 a year, 17% below the North Carolina median of $72,388. About 17% of residents live below the federal poverty line, and 38.5% of households rent their home.
What you need for a personal loan in Wayne County
Lenders that serve Wayne 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 Wayne County
What Wayne County borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Wayne 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 Wayne County
Banks with branches in Wayne County
22 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Southern Bank and Trust Company | 5 | 100 N Center St, Mount Olive 28365 |
| Wells Fargo Bank, National Association | 3 | 301 E Ash St, Goldsboro 27530 |
| Truist Bank | 3 | 102 E Main St, Pikeville 27863 |
| Woodforest National Bank | 3 | 1002 N Spence Ave, Goldsboro 27534 |
| First-Citizens Bank & Trust Company | 2 | 200 E Ash St, Goldsboro 27530 |
| United Bank | 2 | 213 N Chestnut St, Mount Olive 28365 |
| PNC Bank, National Association | 1 | 106 N Spence Ave, Goldsboro 27534 |
| KS Bank, Inc. | 1 | 1601 Wayne Memorial Dr, Goldsboro 27534 |
| First Bank | 1 | 431 N Spence Ave, Goldsboro 27534 |
| First National Bank of Pennsylvania | 1 | 2406 E Ash Street, Goldsboro 27534 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wayne County
13 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| North Carolina Community | 2401 E Ash St, Goldsboro 27534 |
| State Employees' | 3101 Cashwell Dr, Goldsboro 27534 |
| Hampton Roads Educ Credit Union Inc | 105 E Walnut St, Goldsboro 27530 |
| Emergency Responders | 105 E Walnut St, Goldsboro 27530 |
| First Nrv | 105 E Walnut St, Goldsboro 27530 |
| Audubon | 105 E Walnut St, Goldsboro 27530 |
| First Carolina People'S | 201 E Ash St, Goldsboro 27530 |
| Workmen'S Circle Incorporated | 105 E Walnut St, Goldsboro 27530 |
| Guco | 105 E Walnut St, Goldsboro 27530 |
| Texas Gulf Carolina Emp | 105 E Walnut St, Goldsboro 27530 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Wayne County
All North Carolina counties and cities
Frequently asked questions
Are payday loans legal in Wayne County?
Wayne County follows North Carolina law. Payday lending is not legal in North Carolina.
Are title loans legal in Wayne County?
North Carolina has no title-loan law.
Where can I get a small loan in Wayne County?
Options include 22 bank and 13 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 Wayne County?
Fill out our short online form from anywhere in Wayne 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 Wayne 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. Wayne County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Wayne County?
Yes. You don't need to visit a branch or storefront anywhere in Wayne 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 Wayne County, NC?
You can apply at banks, credit unions and lenders in Wayne 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 an emergency loan in Wayne County?
Yes. When an unexpected bill comes up, Wayne 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.