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North Carolina Lenders > Durham

This page was last updated November 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Fair Credit Lenders in Durham NC

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Coastal Credit Union
5316 Page Rd Durham
NC 27703 - 919.420.8000
www.coastal24.com

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Durham State Employees' CU
504 S Duke St, Durham
NC 27701 - 919.682.9602
www.ncsecu.org

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Durham State Employees' CU
3872 Guess Rd, Durham
NC 27705 - www.ncsecu.org
919.477.3634

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Self-Help Credit Union
601 S Mangum St, Durham
NC 27701 - 919.687.0585
www.self-help.org

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Durham State Employees' CU
2421 E NC Hwy 54, Durham
NC 27713 - www.ncsecu.org
919.806.0903

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BB&T
505 S Duke St, Durham
NC 27701 - www.bbt.com
919.687.7200

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Wells Fargo Bank
2000 W Main St, Durham
NC 27705 - 919.416.6050
www.wellsfargo.com

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Fidelity Bank
3016 Shannon Rd, Durham
NC 27707 - 919.419.6005
www.fidelitybanknc.com

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PNC Bank
500 W Morgan St, Durham
NC 27701 - www.pnc.com
919.687.3700

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First South Bank
4215 University Dr #1 Durham
NC 27707 - 919.403.1000
www.firstsouthnc.com


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Bad Credit Loan Form for Durham NC

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Durham NC Lender Service Area Map

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Durham 5x5 Loan App Volume

Top 5 Durham neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated: Monthly.

  1. Hope Valley Farms
  2. Colonial Village
  3. Keene
  4. Crooked Creek
  5. Tuscaloosa/Lakewood

Duke Chapel in Durham North Carolina: Licensing/Credit

Signature Loan In Durham NC

Pamela is a student living at home while attending college. She is one of the lucky ones because she does not need to apply for student loans, she lives at home so her expenses are really low and she is also working part time while attending college.

You would think that she should be in a really good spot when it comes to debt and needing loans.

Compared to many students she is in an excellent situation. However, she does have one credit card which she uses from time to time.

Her dad thought it would be a good idea for her to obtain a credit card and begin building a credit rating. This is actually a really great idea since she does not have student loans and really does not show up on any one’s radar from a credit score perspective.

The problem is that she spent a little too much on some gifts and now needs to pay the balance on the due date or risk paying high interest rates on the unpaid balance.

Her dad has coached her to make sure that she pays as much as she can afford and always pay the minimum balance so she does not have a negative report on her credit score.

This is good advice. She was hoping that he might loan her the money, however he wants her to learn from her experience and also improve her credit score over time. It will become very useful later in life.

He is urging her to apply for a loan and then repay the loan on a monthly basis over a term of two years. The interest rate will be lower and she will show that she is a good financial risk for future loans. She needs $2500.

A $2500 loan with an two-year term and 7.3% interest rate for Pamela would cost her the following per month:

• Loan Amount (principal) = $2500
• Interest Rate = 7.3%
• Term Length = 2 year
• Monthly Payment = $112.27
• Total Paid Back = $2694.52
• Total Interest = $194.52

This loan will cost her a little over one hundred a month which she can afford. In fact, during the non school terms she will be working full time and she expects to be able to repay the loan in full in a few months. She can save a lot of money while living at home.

Since she is a student without a regular income, she will need her father to co-sign for her. Pamela’s father was willing to co-sign for the loan.

After all it is his daughter, she is a pretty good risk and the amount of money is quite small. If for some reason she is unable to pay the loan as per the contract, then her father would be liable for the loan. There seems to be little chance of this happening.

By taking this loan and repaying it as per the contract, Pamela will continue to build her credit score. After graduation, she will find a full time job and already have a positive credit score when she applies for a car loan or perhaps a mortgage.

If you live in Durham 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 Durham NC

If your living in Durham with financial woes, consider advancing your education and/or finding a higher paying job.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Durham NC

Durham Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling
315 E Chapel Hill St Durham
NC 27701 - 919.688.3381


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Clear Point Credit Counseling
6011 Fayetteville Rd #102, Durham
NC 27713 - www.clearpoint.org
919.405.2137

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CareOne Credit
1802 Burke St, Durham
NC 27707 - 919.629.8821

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Durham Assistance Programs

Food Bank: Food Bank CENC at Durham / Address: 2700 Angier Avenue A, Durham, NC 27703 / Phone: 919.956.2513

Hot/Cold Meals: Urban Ministries of Durham / Address: 410 Liberty Street, Durham, NC 27701 / Phone: 919.682.0538

Shelter In Case of Eviction: Durham Rescue Mission / Address: 507 East Knox Street, Durham, NC 27701 / Phone: 919.688.9641

Social Assistance Programs: Food & Nutrition Services of Durham / Address: 414 East Main Street, Durham, NC 27702 / Phone: 919.560.8000

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Usury and Regs. Governing Durham

North Carolina Commissioner of Banks WebSite for consumer lending laws.

Summary of North Carolina State Usury Law (that Durham 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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