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North Carolina Lenders > Fayetteville

This page was last updated July 2018

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Fair Credit Lenders in Fayetteville NC

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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

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Fayetteville NC Lender Service Area Map

Fayetteville 5x5 Loan App Volume

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

  1. Huntington Park
  2. Broad Acres
  3. Brookwood
  4. Summertime
  5. Scotty Hills

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.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Fayetteville NC

Consumer Credit Counseling Services
316 Green St Fayetteville
NC 28301 - actionpathways.ngo
910.323.3192


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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)
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  • Interest rates starting as low as 9% (cs)
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  • 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
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  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
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  • Debt relief counseling available
  • Borrow form $5000 - $150,000

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