Fair Credit Lenders in Raleigh NC
Lenders: contact
us for listing removal.
State Employees' Credit Union
123 New Bern Pl, Raleigh, NC 27601
www.ncsecu.org
919.839.5350
8:30AM–5:30PM Mon - Fri
Closed Weekends
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Coastal Credit Union
4325 Glenwood Ave, Raleigh, NC 27612
www.coastal24.com
800.868.4262
8:30AM–5:30PM Mon - Fri
9AM–1PM Sat
Closed Sunday
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First Citizens Bank
2005 Clark Ave, Raleigh, NC 27605
www.firstcitizens.com
919.716.7121
9AM–5PM Mon - Thu
9AM–6PM Fri
9AM–12PM Sat
Closed Sundays
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Fidelity Bank
600 Oberlin Road, Raleigh, NC 27605
www.fidelitybanknc.com
919.839.1710
9AM–5PM Mon - Thu
9AM–6PM Fri
Closed Weekends
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FM Lending
1000 St Albans Dr #400, Raleigh, NC 27609
www.fmlending.com
919.785.4333
9AM–5PM Mon - Fri
Closed Weekends
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Bad Credit
Loan Form for Raleigh NC
Raleigh NC Lender Service Area Map
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Raleigh 5x5 Loan App Volume
Top 5 Raleigh neighborhoods
for loan application volume in the last 5
months.
Source: WFL
Lender Pool. Updated: Monthly.
- West Raleigh
- Alyson Pond
- Glenwood Crossing Townhomes
- Stoney Manor
- Downtown Raleigh
$3000
Loan In Raleigh NC
Andy just bought a brand new road bike and paid $4000
for his bike. This is a high end road bike that he plans to do a lot
of cycling with around the area where he lives in Raleigh. He has $1000
for the down payment and needs a $3000 loan to cover the rest. He is
really excited about picking up his new bike in a few days when it is
ready.
He just assumed getting a loan would not be any problem.
If needed he will charge the balance to his credit card, however his
preferred approach is to obtain a personal loan. He does not want to
pay the credit card interest rate that he knows they charge on overdue
balances. He has a couple of weeks before the balance is due on his
card.
He is desperate for a loan to be processed and approved.
He picks his bike up in three days from the cycle shop, once it has
been properly adjusted and set up. He was going to charge the balance
to his credit card and then pay it off when the statement arrives. If
he can be approved in the next three days for a loan, he can pay cash
and maybe negotiate a lower price.
The numbers for his loan work out as follows based
on a one year term and an interest rate of 12%:
Loan Amount (principal) = $3000
Interest Rate = 12%
Term Length = 1 year
Monthly Payment = $266.55
Total Paid Back = $3198.56
Total Interest = $198.56
Andy was approved for his loan in two days and the money was in his
account two days later. Although he had to wait an extra day, he waited
until the money arrived and then paid cash after negotiating a discount
of 5% for a cash sale. He had to wait an extra day to pick up his bike
but it was worth it based on the money he saved. His savings that were
negotiated based on paying cash almost pays for the cost of the loan.
He has joined a cycling club and rides every other
day with the club. They do long distance rides on the weekend of up
to sixty miles and more. In addition, he rides to work which saves him
even more money. He has a car, but now the car sits in the driveway
while he rides back and forth to work.
All in all, this was a good news story for Andy. He purchased the bike
he always wanted, the reduced cost of the bike based on paying cash
and the money he is saving by riding to work everyday is helping pay
for his new bike.
He plans to repay the loan in less than a year which he should have
no problem doing! He already had a pretty good credit rating and this
loan if paid in full early will only reinforce his already great credit
rating. Future loans if and when he needs them will be easy to obtain.
If you live in Raleigh 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 Raleigh NC
If you live in Raleigh 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 Raleigh NC
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for larger interactive map.
CCCS Raleigh NC
401 Hillsborough St, Raleigh, NC 27603
www.credit.org
919.854.4882
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Triangle Family Services
3937 Western Blvd. Raleigh, NC 27606
www.tfsnc.org
919.821.0790
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New Leaf Credit Counseling Inc.
#200 5540 Centerview Dr, Raleigh, NC 27606
919.719.1740
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Hummingbird Credit Counseling
#400 3737 Glenwood Ave, Raleigh, NC 27612
www.hummingbird.org
919.420.1785
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Federal Resources
FTC
Budget PDF / USA.GOV
Debt Info
Raleigh Non-Profit Services
Food Bank: Food Bank
of Central & Eastern North Carolina / Address: 1924 Capital Boulevard,
Raleigh, NC 27604 / Phone: 919.875.0707
Hot/Cold Meals: Shepherd's
Table Soup Kitchen / Address: 1762, 121 Hillsborough Street, Raleigh,
NC 27603 / Phone: 919.831.2010
Shelter In Case of Eviction:
Raleigh Rescue Mission / Address: 314 East Hargett Street, Raleigh, NC
27601 / Phone: 919.828.9014
Social Assistance Programs:
Wake County Human Services / Address: 10 Sunnybrook
Road, Raleigh, NC 27610 / Phone: 919.212.7000
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Usury and
Regs. Governing Raleigh
North
Carolina Commissioner of Banks WebSite for consumer lending laws.
Summary of North Carolina
State Usury Law (that Raleigh 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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