Personal loans in Matthews, NC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Matthews, NC.
The median household in Matthews earns $108,611 a year, 50% above the North Carolina median of $72,388. About 4% of residents live below the federal poverty line, and 35.6% of households rent their home.
North Carolina law that applies in Matthews
| 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 Matthews
Lenders that serve Matthews 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 Matthews
What Matthews borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Matthews
- 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 Matthews
8 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 | 4 | 1321 Matthews Township Pkwy, Matthews 28105 |
| Wells Fargo Bank, National Association | 1 | 1401 Matthews Mint Hill Rd, Matthews 28105 |
| Fifth Third Bank, National Association | 1 | 1818 Matthews Township Pkwy, Matthews 28105 |
| First National Bank of Pennsylvania | 1 | 4335 Matthews Mint Hill Rd, Matthews 28105 |
| Bank of America, National Association | 1 | 3220 Weddington Rd, Matthews 28105 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Matthews
5 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 2304 Matthews Township Pkwy, Matthews 28105 |
| State Employees' | 1825 Matthews Township Pkwy, Matthews 28105 |
| Truliant | 324 N Trade St Ste 101, Matthews 28105 |
| Skyla | 435 N Trade St, Matthews 28105 |
| Ukrainian | 1730 Matthews Township Pkwy Ste E, Matthews 28105 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Mecklenburg County ·
Frequently asked questions
Can I get a personal loan with bad credit in Matthews?
Possibly. Lenders in our network consider applicants with fair and bad credit across North Carolina, including Matthews. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Matthews, NC?
Tiered caps: 33% on first $4,000, 24% to $8,000, 18% above.
How fast can I get a personal loan in Matthews?
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 an emergency loan with bad credit in Matthews?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Matthews residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Matthews 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. Matthews residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Matthews with our free 3-minute form.
How do I apply for a personal loan with bad credit in Matthews?
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.
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 Matthews borrowers who qualify.
Do I need to visit a store in Matthews?
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.