Jackson at a glance
- Population: 413 — 439th in North Carolina, which has 549 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 429 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 3.7% below the 2020 Census base (US Census Bureau).
- Rank among North Carolina places: 439th of the state's 549 Census places (US Census Bureau).
- Size percentile: larger than about 20% of the Census places in North Carolina (US Census Bureau).
- Coordinates: mapped at 36.3901, -77.4193 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Seaboard, NC (7 mi); Garysburg, NC (9 mi); Rich Square, NC (11 mi); Weldon, NC (11 mi); Conway, NC (11 mi) (US Census Bureau).
- Nearest smaller towns: Lasker, NC (7 mi); Halifax, NC (10 mi); Severn, NC (15 mi) (US Census Bureau).
What a personal loan costs in Jackson
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
North Carolina lending rules that apply in Jackson
The table carries the North Carolina rate and licensing rules that apply to consumer loans made in Jackson.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Consumer Finance Act license from the Commissioner of Banks required for loans of $25,000 or less charging more than Chapter 24 rates Source says: "Direct lenders seeking to charge rates higher than allowed under Chapter 24 on consumer term loans of twenty-five thousand dollars ($25,000) or less" | North Carolina Office of the Commissioner of Banks as of 2026-09-16 |
| State lending regulator | North Carolina Office of the Commissioner of Banks (NCCOB) Source says: "Lenders operating under the CFA must be licensed by and are subject to regulation by the NCCOB." | North Carolina Office of the Commissioner of Banks as of 2026-09-16 |
| Consumer Finance Act installment loan rates (G.S. 53-176) | 33% per annum on unpaid balance up to $4,000; 24% on $4,000-$8,000; 18% on the remainder (loans up to $12,000); 18% for loans above $12,000 Source says: "thirty-three percent (33%) per annum on that part of the unpaid principal balance not exceeding four thousand dollars ($4,000)" | North Carolina General Assembly as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | For loans of $25,000 or less: greater of the 6-month U.S. Treasury bill rate + 6% or 16% (G.S. 24-1.1(c)); any agreed rate above $25,000 Source says: "plus six percent (6%), rounded upward or downward ... or sixteen percent (16%), whichever is greater" | North Carolina General Assembly as of 2026-09-16 |
| Payday lending status | Payday lenders shut down in North Carolina; online payday lending remains an enforcement target Source says: "Payday Lenders: Shut Down In NC, But Still Victimizing Borrowers Online" | North Carolina Department of Justice (Office of the Attorney General) as of 2026-09-16 |
How to compare offers in Jackson
Before you commit to a personal loan in Jackson, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in North Carolina using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.