Personal loans in High Point, NC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for High Point, NC.
The median household in High Point earns $64,561 a year, 11% below the North Carolina median of $72,388. About 16% of residents live below the federal poverty line, and 42.2% of households rent their home.
North Carolina law that applies in High Point
| Rate cap | For loans of $12,000 or less: 33% a year on the first $4,000 of unpaid principal, 24% on $4,000-$8,000, and 18% above $8,000. |
|---|---|
| License required | Anyone in the business of lending or servicing loans of $25,000 or less at charges above what Chapter 24 allows needs a license from the Commissioner of Banks. |
| Loan sizes covered | Installment loans up to $25,000. |
Full rules with statute citations: Personal Loans in North Carolina. Cities in North Carolina cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in High Point
Lenders that serve High Point 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 High Point
What High Point borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in High Point
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in High Point
29 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Pinnacle Bank | 7 | 300 N Main St, High Point 27260 |
| Truist Bank | 4 | 620 N Main St, High Point 27260 |
| First Bank | 3 | 1200 N Main St, High Point 27262 |
| Bank of America, National Association | 3 | 501 N Main St, High Point 27260 |
| Wells Fargo Bank, National Association | 2 | 1700 N Main St, High Point 27262 |
| First-Citizens Bank & Trust Company | 2 | 700 N Main St, High Point 27262 |
| Woodforest National Bank | 2 | 2628 S Main St, High Point 27263 |
| First National Bank of Pennsylvania | 1 | 200 Westchester Dr, High Point 27262 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in High Point
9 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| State Employees' | 3850 John Gordon Ln, High Point 27265 |
| Truliant | 4006 Mendenhall Oaks Pkwy, High Point 27265 |
| Allegacy Financial | 3015 E River Way, High Point 27265 |
| Latino Community | 2305 Westchester Dr, High Point 27262 |
| Members | 3925 Sedgebrook St, High Point 27265 |
| Summit | 1743 Westchester Dr, High Point 27262 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Guilford County · Forsyth County · Davidson County · Randolph County ·
Frequently asked questions
Can I get a personal loan with bad credit in High Point?
Possibly. Lenders in our network consider applicants with fair and bad credit across North Carolina, including High Point. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in High Point, NC?
Tiered caps: 33% on first $4,000, 24% to $8,000, 18% above.
How fast can I get a personal loan in High Point?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan in High Point with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. High Point residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. High Point residents can see their options in about 3 minutes.
How can I get an emergency loan in High Point?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to High Point borrowers who qualify.
How do I apply for a personal loan with bad credit in High Point?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in High Point?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.