Cary NC
Fair To Bad Credit Loans
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This page was last updated
June 2020
Commentary is for informational purposes only. See legal disclaimers here.
Best Bad Credit Loans for 2020
Fair Credit Lenders in Cary NC
Lenders: contact us for listing removal.
Coastal Credit Union
2339 Davis Dr Cary
NC 27519 - 800.868.4262
www.coastal24.com
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First Carolina People's CU
1105 Walnut Street, F116B
Cary, NC - 27511
www.fcpcu.com
919.736.0885
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Coastal Credit Union
2024 Kildaire Farm Rd, Cary
NC 27511 - 800.868.4262
www.coastal24.com
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Coastal Credit Union
4325 Glenwood Ave, Raleigh
NC 27612 - www.coastal24.com
800.868.4262
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RTP Federal Credit Union
915 N Harrison Ave, Cary
NC 27513 - www.rtpfcu.org
919.941.5700
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Fidelity Bank
100 W Chatham St, Cary
NC 27511 - 919.467.0173
www.fidelitybanknc.com
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Wells Fargo Bank
1122 Kildaire Farm Rd, Cary
NC 27511 - 919.881.6057
www.wellsfargo.com
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Wells Fargo Bank
1201 Walnut St, Cary
NC 27511 - www.wellsfargo.com
919.881.6016
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Wells Fargo Bank
1701 N Harrison Ave, Cary
NC 27513 - www.wellsfargo.com
919.380.2116
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Fidelity Bank
100 SW Maynard Road Cary
NC 27511 - 919.467.2212
www.fidelitybanknc.com
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Bad Credit Loan Form for Cary NC
Cary NC Lender Service Area Map
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Cary 5x5 Loan App Volume
Top 5 Cary neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated: Monthly.
- Waterford Forest Apartments
- Ashcroft Townhomes
- Bloomsbury At Cary Park
- Waterford Woods
- Lochmere
Bad Credit Loan Example In Cary NC
Greg is planning to replace all of the windows on his
home and he will need an installment loan to help him handle the expense.
He has some money already set aside for this particular renovation,
however he will still need to borrow $3500 to help pay for this upgrade.
He is planning to take advantage of several incentives that are being
offered by his local government aimed at helping consumers conserve
energy and reduce their carbon foot print.
With the combination of this incentive and discounts for completing
all of the windows at the same time from the supplier, it is a deal
he really cannot afford to pass up.
He will save a great deal of money, yet he needs this loan to make it
all happen. With a $3500 loan spread over a two year term, he will be
able to pay for his window replacement project and save money at the
same time.
He has already paid the deposit on the job and expects the windows will
be ready for installation in about two weeks. He would like the loan
approved and the money in his account sometime in the next two weeks.
A $3500 loan with an two-year term and 5.6% interest rate for Greg would
cost him the following per month:
• Loan Amount (principal) = $3500
• Interest Rate = 5.6%
• Term Length = 2 year
• Monthly Payment = $154.49
• Total Paid Back = $3707.81
• Total Interest = $207.81
Greg and his wife have a very good credit score. They have the typical
mortgage, car loan and credit card debt. They are just on the edge of
having too much debt for their income level.
Typically, lenders look for mortgage, taxes and loan monthly payments
to be less than 35% of their monthly gross income. He is at 30% at the
present time and this loan will bring him up close to the limit that
most lenders look for.
He has indicated that he has several investments available to him that
he could cash in to pay for this window replacement project.
He would rather take the installment loan and retain his investments
for another rainy day or what most people consider an emergency fund.
He and his wife believe that they should always have an emergency fund
available to deal with anything that life throws at them, including
health issues and / or job loss.
This window replacement deal is just too good to pass up between the
incentive program and the savings they will receive from the supplier.
They will also be more comfortable in their home, saving energy to heat
and cool their home and in theory experience less drafts from around
the windows.
Greg will repay the installment loan over a two year period and the
total cost of interest will only be a little over $200, which is very
reasonable for this size of loan. It will not reduce his savings significantly.
In fact, if he had to pay regular prices for the windows without the
incentives, the extra cost would be much higher and he would actually
lose money compared to this deal.
If you live in Cary NC and you need a loan regardless of a bad credit rating we hope our web site helps you in some way.
Sincerely,
Lance Somerset
Lance Somerset founded the We Find Lenders Pool.
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Employment & Education Advancement Opportunities in Cary NC
If your living in Cary with financial woes, consider advancing your education and/or finding a higher paying job.
Education Advancement: College / University
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Credit Counseling In Cary NC
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Consumer Credit Counseling Services
Cary NC 27511
919.462.1618
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New Leaf Credit Counseling
5540 Centerview Drive #200
Raleigh, NC 27606
919.719.1740
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Federal Resources
FTC Budget PDF / USA.GOV Debt Info
Cary Non-Profit Services
Food Bank: Dorcas Ministries / Address: 187 High House Road, Cary, NC 27511 / Phone: 919.469.9861
Hot/Cold Meals: Inter-Faith Food Shuttle / Address: 1001 Blair Drive, Raleigh, NC 27603 / Phone: 919.250.0043
Shelter In Case of Eviction: The Carying Place / Address: 491 James Jackson Avenue, Cary, NC 27513 / Phone: 919.462.1800
Social Assistance Programs:
Western Wake Human Services / Address: 111 James
Jackson Avenue #219, Cary, NC 27511 / Phone: 919.463.8445
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Usury and Regs. Governing Cary NC
North Carolina Commissioner of Banks WebSite for consumer lending laws.
Summary of North Carolina State Usury Law (that Cary lenders must adhere to) / Legal: 8% Contract: 16% $25,000 or less; any rate over $25,000 / Judgment: 8% / Corporate: Any rate agreed upon by parties bound by contract / to learn how you can file a complaint, and/or learn more about the legal code(s) and statutes and laws pertaining to consumer financial services in the State of North Carolina go here.
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WFL Loan Product Menu
- Bad credit scores below FICO 650
- 200+ lenders review your pre-application(s)
- Applying does not worsen your credit score
- Interest rates starting as low as 9% (cs)
- Collateral not always required
- Funding between 24 hours and 5 days
- Terms from 6 months to 10 years
- Borrow between $500 and $50,000
- Loans for people with 650+ credit scores
- 500+ lenders can review your application
- Interest rates starting as low as 7% (cs)
- Fast approvals and fast funding
- Line of credit approvals with reasonable APR
- Borrow between $500 and $150,000
- Lenders who provide bad credit consolidation
- Debt settlement or debt relief services
- 300+ lenders can review your application
- Interest rates starting as low as 7% (cs)
- Seamless approval and funding process
- Debt relief counseling available
- Borrow form $5000 - $150,000
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