Raleigh NC
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North Carolina Lenders > Raleigh

This page was last updated September 2018

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

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Fair Credit Lenders in Raleigh NC

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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

Fast Loan Pre-App Method
Accessing Bad Credit Lender Pool (?)

Learn about GAP (Gift Angel Program)

 

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.

  1. Autumn Woods Townhomes
  2. Hearthridge
  3. Country Life Estates
  4. East Raleigh
  5. Lassiter Mill

J. S. Dorton Arena in Raleigh North Carolina: Licensing/Credit

$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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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 Assistance Programs

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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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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