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Charlotte Metro Credit Union
718 Central Ave, Charlotte, NC 28204
cmcu.org
704.375.0183
9AM–5:30PM Mon - Thu
9AM–6PM Fri
Closed Weekends
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Blue Flame Credit Union
4301 Yancey Rd, Charlotte, NC 28217
www.blueflamecu.org
704.523.0075
8AM–4:30PM Mon - Fri
Closed Weekends
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Truliant Federal Credit Union
4530 Park Rd #110, Charlotte, NC 28209
www.truliantfcu.org
800.822.0382
9AM–5PM Mon - Thu
9AM–6PM Fri
Closed Weekends
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New Dominion Bank
1111 Metropolitan Ave # 100, Charlotte, NC 28204
www.newdominionbank.com
704.943.5700
9AM–5PM Mon - Fri
Closed Weekends
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First Citizens Bank
3050 Eastway Dr, Charlotte, NC 28205
www.firstcitizens.com
704.338.4371
9AM–5PM Mon - Fri
Closed Weekends
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Bad Credit
Loan Form for Charlotte NC
Charlotte NC Lender Service Area
Map
Tap
image for larger interactive map.
Charlotte
5x5 Loan App Volume
Top 5 Charlotte neighborhoods
for loan application volume in the last 5
months. Source:
WFL Lender
Pool. Updated: Monthly.
Bad Credit Loan Example In Charlotte
NC
Antoine needs a $4000 loan to cover unexpected medical
expenses. Even with co-pay medical insurance he still has a bill of
over ten thousand! He and his wife had saved for medical expenses
and other emergency expenses but not enough to cover this one! He
still needs to borrow $4000 to cover the remainder.
He could charge the last bit on his credit card,
however he cannot pay the full balance when the monthly statement
is due. The interest rate would be as high as 21%, which is a lot
higher than a personal loan. The charges would be on the entire amount
that he applied to his credit card even though he would repay some
of the original amount that he charged to the card.
He and his wife both have a good credit rating and
should qualify easily for a loan. He wants to repay the loan over
two years and is looking for a loan of less than 9%.
Using these numbers his payments and interest charges would be as
follows:
Loan Amount (principal) = $4000
Interest Rate = 9%
Term Length = 2 year
Monthly Payment = $182.74
Total Paid Back = $4385.74
Total Interest = $385.74
Antoine works full time, they have two cars that are paid for and
a home with a mortgage. He has not been reported late on any payments
so his credit rating is very good. He has some equity in his home
and would qualify for a secured personal loan and a lower interest
rate. However given that he wants to repay the loan quickly, it may
not be worth the time it would take to secure the loan.
He checked with his local bank to see what they would
offer. They were not very competitive and only suggested a rate of
14%. While it is better than his credit card, he felt that it was
too high. He let them know that he was going to look elsewhere and
may come back to them.
Antoine was able to borrow the money and pay all
of his medical bills. He even negotiated a discount when he offered
to pay cash. He saved over 15% on his total bill, which was a substantial
savings. This savings just about paid for the entire loan that he
needed. He ended up repaying the loan after two months had elapsed
and saved even more money by not having to pay interest charges over
the two-year period!
This is a really good news story for Antoine. Not only is his family
doing well from a health perspective, he was approved for a loan at
an excellent rate, and he was able to negotiate a reduction based
on paying cash for his medical bills.
While this sort of thing does not always occur, it goes to show that
consumers should always attempt to negotiate a discount when paying
cash. The worst thing that can happen is that they will not provide
a discount for paying cash.
In many cases paying up front immediately with cash means that the
medical agency in this case does not have to spend money on collections
and they gain access to the money quickly.
If you live in Charlotte 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. He writes for WFL on rare occasions just for
the fun of it, and to stay current with the content on our website.
His son Andy and daughter Chris handle most of the research and writing.
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Employment & Education Advancement
Opportunities in Charlotte NC
If you live in Charlotte and you're
struggling with making ends meet, you may consider advancing your
education and/or finding a higher paying job. We've provided some
links here to help with that.
Job Upgrade: Indeed
/ Monster
Education Advancement:
College / University
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Credit Counseling
In Charlotte NC
Tap image
for larger interactive map.
United Family Services
601 E 5th St, Charlotte, NC 28202
www.safealliance.org
704.332.9034
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Consumer Credit Counseling
Service
401 E Trade St, Charlotte, NC 28202
800.254.4100
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CCS Heed Financial Group
4534 Old Pineville Rd, Charlotte, NC 28217
877.938.8853
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Federal Resources
FTC
Budget PDF / USA.GOV
Debt Info
Charlotte Assistance Programs
Food Bank: Second Harvest
Food Bank of Metrolina / Address: 500 Spratt Street B, Charlotte, NC 28206
/ Phone: 704.376.1785
Hot/Cold Meals: Urban
Ministry Center / Address: 945 North College Street, Charlotte, NC 28206
/ Phone: 704.347.0278
Shelter In Case of Eviction:
The Salvation Army Center of Hope Shelter / Address: 534 Spratt Street,
Charlotte, NC 28206 / Phone: 704.348.2560
Social Assistance Programs:
Mecklenburg County Department Social Services /
Address: 3205 Freedom Drive, Charlotte, NC 28208 / Phone: 704.336.3000
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Usury and
Regs. Governing Charlotte
North
Carolina Commissioner of Banks WebSite for consumer lending laws.
Summary of North Carolina
State Usury Law (that Charlotte 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
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starting as low as 7% (cs)
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and funding process
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available
- Borrow form $5000
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