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North Carolina Lenders > Greensboro

This page was last updated November 2018

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Fair Credit Lenders in Greensboro NC

Lenders: contact us for listing removal.

Self-Help Credit Union
3400 Battleground Ave Greensboro
NC 27410 - www.self-help.org
336.545.9916


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Acclaim Federal Credit Union
1823 Banking St, Greensboro
NC 27408 - www.acclaimfcu.org
336.332.5302

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American Partners FCU
4636 W Market St, Greensboro
NC 27407 - www.apfcu.com
336.855.3553

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Greensboro Municipal FCU
2200 Soabar St, Greensboro
NC 27406 - 336.373.2090
www.greensboromcu.org

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HealthShare Credit Union
Moses Cone Hospital
1200 N Elm St, Greensboro
NC 27401 - 336.832.8119
www.healthsharecu.org

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Carolina Bank
1601 Highwoods Boulevard
Greensboro - NC 27410
www.localfirstbank.com
336.323.3000

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Fidelity Bank
2501 Battleground Avenue
Greensboro - NC 27420
www.fidelitybanknc.com
336.286.7829

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Wells Fargo Bank
625 Green Valley Rd, Greensboro
NC 27408 - www.wellsfargo.com
336.299.9470

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BB&T
2835 Randleman Rd, Greensboro
NC 27406 - www.bbt.com
336.433.4230

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First National Bank
701 Green Valley Road #102
Greensboro, NC 27408
locations.fnb-online.com
336.398.2321

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Bad Credit Loan Form for Greensboro NC

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Greensboro NC Lender Service Area Map

Greensboro Bad Credit Lenders Map - Initial Static Image

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Greensboro 5x5 Loan App Volume

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

  1. Hamilton Hills
  2. Northern Shores
  3. New Irving Park
  4. Carriage Hills
  5. Shannon Hills

February One Monument Greensboro NC: Licensing/Credit

Bad Credit Loan In Greensboro NC

Mary wants to purchase her first brand new car. She has had several cars in the past, but they have all been used cars and needed a lot of tender loving care to keep them going.

They cost her a lot of money for repairs. she takes good care of her vehicles but they just seem to have all kinds of issues due to their age and general condition.

She has decided that she wants a brand new one and will need a car loan. She wants a car which will be under warranty and not break down nearly as often.

The problem for Mary is that her credit score is not great and she was actually turned down for dealer financing due to a poor credit score and poor credit utilization.

This came as a big surprise since she has always paid all of her bills on time and does not have a lot of debt. She apparently forgot about one time that she missed a payment, which was reported and caused her credit score to nose dive.

She also has several credit cards, which at the present time are close to their maximums. This was a concern for the dealer financing team as well and it also caused her to have a high credit utilization factor.

She has since paid all of this debt in full. She really wants to avoid paying high interest costs associated with credit card balances carried past the due date.

If she were to apply now with the dealer, she might possibly be approved, however she does not want to try again. It was embarrassing enough the first time when she was declined.

She needs a $15000 car loan with a term of five years with a low interest rate to keep her monthly payments as low as possible.

A $15000 loan with an five-year term and 5.3% interest rate for Mary would cost her the following per month:

• Loan Amount (principal) = $15000
• Interest Rate = 5.3%
• Term Length = 5 year
• Monthly Payment = $285.13
• Total Paid Back = $17108.09
• Total Interest = $2108.09

Mary has $3000 of her own money for a down payment on her car leaving the loan application of $15,000. Lenders like the idea of the car owner having some investment in the vehicle they are buying.

They are less likely to walk away from a loan when they have their own money invested in the vehicle.

She would also prefer to make her payments twice a month to coincide with her pay day. She would pay roughly $143 twice a month on pay day, which will help her repay the loan a little faster and reduce her interest costs as well.

This is a good strategy to consider for many people planning to purchase a car and planning to borrow the funds to purchase the car.

Mary is also buying a relative small inexpensive car. She would like something larger with more bells and whistles, but this means a larger loan and she is just not ready for a large monthly payment at this time.

She can afford this monthly payment and is looking forward to picking up her new car.

If you live in Greensboro 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 Greensboro NC

If your living in Greensboro 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 Greensboro NC

Greensboro Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling Services
315 E Washington St, Greensboro
NC 27401 - thedebtdoc.com
336.373.8882


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Money Management International
5509-B W Friendly Ave, Suite 104
Greensboro - NC 27410
www.moneymanagement.org
713.394.3232

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Greensboro Assistance Programs

Food Bank: Blessed Table Food Pantry / Address: 3210 Summit Avenue B, Greensboro, NC 27405 / Phone: 336.333.2266

Hot/Cold Meals: Greensboro Urban Ministry / Address: 305 West Gate City Boulevard, Greensboro, NC 27406 / Phone: 336.271.5959

Shelter In Case of Eviction: Joseph's House / Address: 2703 East Bessemer Avenue, Greensboro, NC 27405 / Phone: 336.272.7679

Social Assistance Programs: Guilford County Social Services / Address: 1203 Maple Street, Greensboro, NC 27405 / Phone: 336.641.3447

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Usury and Regs. Governing Greensboro

North Carolina Commissioner of Banks WebSite for consumer lending laws.

Summary of North Carolina State Usury Law (that Greensboro 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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