Fayetteville NC
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This page was last updated
June 2020
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Best Bad Credit Loans for 2020
Fair Credit Lenders in Fayetteville NC
Lenders: contact us for listing removal.
Bragg Mutual Federal Credit Union
2917 Village Dr Fayetteville
NC 28304 - www.braggmutualfcu.org
910.222.1500
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Fort Bragg Federal Credit Union
1638 Skibo Rd, Fayetteville
NC 28303 - www.fortbraggfcu.org
910.864.2232
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Sharonview Federal Credit Union
1828-A Owen Dr, Fayetteville
NC 28304 - www.sharonview.org
800.462.4421
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Fayetteville Postal Credit Union
544 Ramsey St, Fayetteville
NC 28301 - www.faypostalcu.org
910.484.5146
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Bragg Mutual Federal Credit Union
201 Hay St # 102, Fayetteville
NC 28301 - www.braggmutualfcu.org
910.222.1500
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Fidelity Bank
2911 Village Dr, Fayetteville
NC 28304 - 910.483.6706
www.fidelitybanknc.com
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Wells Fargo Bank
4549 Raeford Rd, Fayetteville
NC 28304 - www.wellsfargo.com
910.678.2262
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First Bank
2939 Village Dr, Fayetteville
NC 28304 - 910.829.0254
locations.localfirstbank.com
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Woodforest National Bank
4601 Ramsey St, Fayetteville
NC 28311 - www.woodforest.com
910.488.3498
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First Citizens Bank
520 Westwood Shopping Center
Fayetteville, NC 28314
www.firstcitizens.com
910.307.9100
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Bad Credit Loan Form for Fayetteville NC
Fayetteville NC Lender Service Area Map
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Fayetteville 5x5 Loan App Volume
Top 5 Fayetteville neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated: Monthly.
- Massey Hill
- King's Grant
- Murray Hills
- Brookwood
- Bordeaux
Personal Loan In Fayetteville NC
Brenda and her girlfriends are planning a two week vacation on a cruise ship next month. They have to fly to the debarkation city, stay in a hotel one night and then get on the ship for a fun filled cruise to South America.
She has never gone on a cruise before, but she will
be going with five other women and she knows that she will have lots
of fun. She is over the top excited about this trip.
The idea of going on a cruise was something that just came up a week
ago. They were sitting around talking about vacation plans and the idea
just seem to crystalize for them all.
Most of the women have the money already saved to go on this vacation,
but unfortunately not Brenda. She will need a personal loan to help
pay for her trip, since she had not been really saving for anything
quite as expensive as a cruise.
She almost decided not to go on the trip because of her financial situation
and lack of savings. But at the last minute with lots of encouragement
from her friends she decided she could not miss this one.
They will be sharing a room, which is fine. If she had not decided to
go, her best friend would not have been able to go on the trip either,
since she would not have had anyone to share the room with.
She is budgeting $3500 for the cruise, the airfare, hotel and expenses.
She has a thousand saved. She is hoping to be able to borrow $2500 with
a one year term.
A $2500 loan with an one-year term and 4.6% interest rate for Brenda
would cost her the following per month:
• Loan Amount (principal) = $2500
• Interest Rate = 4.6%
• Term Length = 1 year
• Monthly Payment = $213.56
• Total Paid Back = $2562.73
• Total Interest = $62.73
Looks like Brenda and her pal gals are going to have a fun time. She
paid for the trip using her credit card and applied for the personal
loan at the same time.
She will have about 20 days before the credit card bill arrives and
will need to pay the balance owing. If she does not pay it in full,
the interest she will pay will be around 19% which is pretty high.
With a personal loan at 4.6%, she will pay much less interest and a
lot more towards the principle of the loan. Her loan will likely be
approved since her credit score is very good.
She has no missed payments or delinquent loan payments. The loan will
be advanced to her in time to pay her credit card balance. She plans
to repay the loan in one year or less.
Brenda in the meantime will go on a trip of a lifetime, see countries
she might never see other wise and have a really great time with her
friends on the cruise. They are all hoping to meet people on the cruise,
make friends and who knows there may be some lasting relationships develop.
If you live in Fayetteville 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 Fayetteville NC
If your living in Fayetteville 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 Fayetteville NC
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Consumer Credit Counseling Services
316 Green St Fayetteville
NC 28301 - actionpathways.ngo
910.323.3192
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Federal Resources
FTC Budget PDF / USA.GOV Debt Info
Fayetteville Non-Profit Services
Food Bank: Second Harvest Food Bank of Southeast North Carolina / Address: 406 Deep Creek Road, Fayetteville, NC 28312 / Phone: 910.485.6923
Hot/Cold Meals: The Salvation Army Corps and Community Center / Address: 220 East Russell Street, Fayetteville, NC 28301 / Phone: 910.483.8119
Shelter In Case of Eviction: Sophia's Haven-Hope / Address: 1860 Torrey Drive, Fayetteville, NC 28301 / Phone: 910.973.8094
Social Assistance Programs:
Cumberland County Department of Social Services
/ Address: 1225 Ramsey Street, Fayetteville, NC 28301 / Phone: 910.323.1540
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Usury and Regs. Governing Fayetteville
North Carolina Commissioner of Banks WebSite for consumer lending laws.
Summary of North Carolina State Usury Law (that Fayetteville 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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