Warsaw at a glance
- Population: a Census-estimated 2,735, placing it 220th among North Carolina's 549 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 2,730 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 0.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among North Carolina places: 220th out of 549 Census places (US Census Bureau).
- Size percentile: roughly 60% of places in North Carolina rank below it by population (US Census Bureau).
- Coordinates: 34.9996 latitude, -78.0927 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Clinton, NC (14 mi); Mount Olive, NC (14 mi); Wallace, NC (19 mi); Goldsboro, NC (27 mi); La Grange, NC (27 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Turkey, NC (5 mi); Magnolia, NC (7 mi); Kenansville, NC (8 mi) (US Census Bureau).
What a personal loan costs in Warsaw
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
North Carolina lending rules that apply in Warsaw
Each row below is a North Carolina rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Warsaw
The order below is a sensible way to approach a loan in Warsaw:
- 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.