Personal Loans
in Wilmington, NC

Local service. Flexible financing. Real people.

Whether you need help covering an unexpected expense, making home improvements, handling vehicle repairs, or paying for another important purchase, our Wilmington team is here to help you explore a financing option that fits your needs.

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  • Loans from $1,000 to $25,000
  • Local Decision Making
  • Fixed Interest Rates
  • Serving NC Since 1988

Visit Our Wilmington Branch

2394 Carolina Beach Road, Suite 305
Wilmington, NC 28401

Office Phone Number
910-762-1127

Office Fax Number
910-762-4507

Monday - Thursday: 9:00 AM - 5:00 PM
Friday: 9:00 AM - 5:30 PM

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Loan Options Available in Wilmington

Get Same-Day Cash!

  • Quick approval process
  • Fixed Interest Rates
  • Instant eFunding Options
  • Apply online, in-person, or by phone

Personal Loans

  • Auto Repair
  • Travel Expenses
  • Home Improvements
  • Or Whatever You May Need!

Retail Financing

  • ATVs
  • Trailers
  • Cars
  • Motorcycles

Local Lending with Personal Service

Southern Loans is a family-owned consumer finance company serving North Carolina communities since 1988. At our Wilmington branch, you can work directly with a local team that understands the area and is available to answer questions throughout the financing process. Whether you prefer to apply online, over the phone, or visit us in person, our goal is to make getting started straightforward and convenient.

Southern Loans Inc place picture
Southern Loans Inc
4.6
Based on 20 reviews
review us on
Charlene Smith profile picture
Charlene Smith
2 months ago
They are a wonderful company they have been nothing but a blessing to me whenever I call them they always help me out. Have been dealing with them a long time thanks for always being there for me
Shadavia profile picture
Shadavia
2 months ago
Ms. Carolyn was so kind and efficient! Great service!! 10/10
Whitney Waddell profile picture
Whitney Waddell
3 months ago
Doretha profile picture
Doretha
3 months ago
Spiritual Gratitude Recovery profile picture
Spiritual Gratitude Recovery
7 months ago
Professional and Straightforward ​Southern Loans Inc is a solid local business that really knows how to treat people. The staff is professional, helpful, and they make the entire process easy to understand without any of the typical runaround. It is great to have a reliable place in the community where you can get straightforward answers and fast service. ​The atmosphere is welcoming and they clearly value their customers' time. If you are looking for a team that is respectful and efficient, I highly recommend stopping by. They are definitely one of the more dependable spots in the area.
Debra Stutts profile picture
Debra Stutts
4 years ago
Love them, they have never let me down. I love Caroline and Brook. Fantastic service and feel like family.
Christy M N Yarborough profile picture
Christy M N Yarborough
8 years ago
Very great group of staff & manager. Nice to talk to with random conversation, along with your loan conversion. Everyone there treats you like a human being & always shows everyone that they care.

Serving Wilmington and the Cape Fear Area

Southern Loans is proud to serve customers throughout Wilmington, New Hanover County, and nearby communities across the Cape Fear region. Our Wilmington branch is convenient for customers from areas including Monkey Junction, Masonboro, Castle Hayne, Carolina Beach, Wrightsville Beach, and surrounding communities.

Located at 2394 Carolina Beach Road, our office sits along one of the primary corridors connecting central Wilmington with communities in southern New Hanover County. Customers traveling from the Carolina Beach Road and Monkey Junction areas can conveniently reach our local branch without having to travel into downtown Wilmington.

From Wilmington’s established neighborhoods to the beach communities and growing areas throughout New Hanover County, Southern Loans provides local access to personal loans and retail financing backed by personal service.

Frequently Asked Questions

Our Wilmington branch is located at 2394 Carolina Beach Road, Suite 305, Wilmington, NC 28401.

Our Wilmington location offers personal loans as well as retail financing for qualifying purchases. Personal loans can be used for needs such as vehicle repairs, home improvements, travel expenses, unexpected bills, and other personal expenses.

Southern Loans offers personal loans ranging from $1,000 to $25,000, subject to approval and applicable lending requirements.

Yes. You can start your Southern Loans personal loan application online. You can also contact our Wilmington office by phone or visit the branch in person.

Yes. Our Wilmington location serves customers from Wilmington and surrounding New Hanover County communities, including areas such as Monkey Junction, Masonboro, Castle Hayne, Carolina Beach, and other nearby communities.

Our Wilmington office is open Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 5:30 PM.