Jamesville at a glance
- Population: 410 (US Census Bureau, Vintage 2023 subcounty estimate), the 441st-largest of 549 places in North Carolina.
- 2020 Census base: 423 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 3.1% since the 2020 count (US Census Bureau).
- Rank among North Carolina places: the 441st-largest of 549 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 20% of places in North Carolina rank below it by population (US Census Bureau).
- Coordinates: 35.8122 latitude, -76.9002 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Plymouth, NC (9 mi); Williamston, NC (10 mi); Windsor, NC (13 mi); Roper, NC (17 mi); Washington, NC (20 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Bear Grass, NC (13 mi); Everetts, NC (15 mi); Hamilton, NC (19 mi) (US Census Bureau).
What a personal loan costs in Jamesville
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
North Carolina lending rules that apply in Jamesville
The North Carolina rate caps and licensing rules that reach Jamesville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Jamesville
Before you commit to a personal loan in Jamesville, 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.