Winston-Salem NC
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North Carolina Lenders > Winston-Salem

This page was last updated September 2018

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Fair Credit Lenders in Winston-Salem NC

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Winston-Salem Federal Credit Union
711 E Salem Ave Winston-Salem
NC 27101 - www.mywsfcu.org
336.727.2663

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Truliant Federal Credit Union
3200 Truliant Way, Winston-Salem
NC 27103 - www.truliantfcu.org
336.659.1955

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Members Credit Union
2098 Frontis Plaza Blvd #A
Winston-Salem, NC 27103
www.memcu.com

336.748.4800

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Truliant Federal Credit Union
893 N Liberty St a, Winston-Salem
NC 27107 - www.truliantfcu.org
336.659.1955

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Truliant Federal Credit Union
7780 North Point Blvd, Winston-Salem
NC 27106 - www.truliantfcu.org
336.659.1955

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Fidelity Bank
3306 Healy Dr, Winston-Salem
NC 27103 - www.fidelitybanknc.com
336.659.0210

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First Citizens Bank
3001 Trenwest Dr, Winston-Salem
NC 27103 - www.firstcitizens.com
336.631.2400

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Bank of America Financial Center
426 S Stratford Rd, Winston-Salem
NC 27103 - 336.721.4025
locators.bankofamerica.com

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Wells Fargo Bank
418 S Stratford Rd, Winston-Salem
NC 27103 - www.wellsfargo.com
336.735.4900

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First Bank
401 Knollwood Street Winston-Salem
NC 27103 - 336.794.0811
locations.localfirstbank.com


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Bad Credit Loan Application Form for Winston-Salem NC

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Winston-Salem NC Lender Service Map

Winston Salem Bad Credit Lenders Map - Initial Static Image

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Winston-Salem 5x5 Loan App Volume

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

  1. Atwood
  2. Oldtown
  3. West Highlands
  4. Stanleyville
  5. Arcadia

Wells Fargo Building in Winston-Salem NC: Licensing/Credit

Bad Credit Loan In Winston-Salem NC

Larry has always had trouble managing his money it seems. For the past few years he has allowed his credit score to slip into what is known as the bad credit territory.

He finds it very difficult to obtain loans when he needs one and he seems to be always paying late fees and high interest rates. He has been meeting with a debt counsellor and is trying to turn his financial life around.

At the present time he is behind on his rent and he has a small loan that he owes to a friend. He needs $2500 to square away his rent and the money he owes his friend.

The debt counsellor wants him to set up a budget and focus on paying all of his bills on time. It will take some discipline for Larry to meet these goals, because he is not really used to working with a budget.

He has always pretty much just spent his paycheck and not worried too much whether he had sufficient money in his account to pay whatever bill he had.

One of the good things for Larry is that he pretty much always paid cash for things, so he did not fall into the credit card trap of charging his credit card up to the maximum.

He avoided the high interest rates that credit card companies charge when you cannot pay the balance on your account by the due date.

He knows that he has to change and that it will also take some time to improve his credit score. He wants to turn his life around and get a house one day.

He needs a good credit score if he is going to apply for a mortgage. Right now he needs a small loan for $2500.

A $2500 loan with an two-year term and 9.3% interest rate for Larry would cost him the following per month:

• Loan Amount (principal) = $2500
• Interest Rate = 9.3%
• Term Length = 2 year
• Monthly Payment = $114.56
• Total Paid Back = $2749.35
• Total Interest = $249.35

It will take several years for Larry’s credit score to improve, however he is on the right track and if he can follow his counsellor’s advice and recommendations, he will achieve it.

The first step of course is to find a lender who will take a chance with him and lend him this small loan. If he can repay the loan over the next two years without missing any payments, he will be on his way to a better credit score.

He obviously also needs to pay his rent on time as well as any other bills and utilities he may have. He actually has a decent job with a decent salary, so he can afford to meet these commitments.

With a budget and also tracking how he is spending his money, he will be able to save something for emergencies and pay this loan off at the same time.

Larry should continue to work with his financial counsellor over the next few years to track his progress and also be encouraged to stick with the program.

Sometimes what it takes to be successful is a really good coach and his counsellor could be the one to get him back on track financially.

If you live in Winston-Salem 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 Winston-Salem NC

If your living in Winston-Salem 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 Winston-Salem NC

Winston Salem Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling Services
7820 North Point Blvd Suite 100
Winston-Salem, NC 27106
financialpaths.org
336.896.1191


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Financial Pathways of the Piedmont
7820 North Point Blvd #100
Winston-Salem, NC 27106
financialpaths.org
336.896.1191

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Winston-Salem Assistance Programs

Food Bank: Second Harvest Food Bank of Northwest North Carolina / Address: 3655 Reed Street, Winston-Salem, NC 27107 / Phone: 336.784.5770

Hot/Cold Meals: Samaritan Ministries / Address: 414 East Northwest Bouelvard, Winston-Salem, NC 27105 / Phone: 336.748.1962

Shelter In Case of Eviction: Bethesda Center for the Homeless / Address: 930 Patterson Avenue, Winston-Salem, NC 27101 / Phone: 336.722.9951

Social Assistance Programs: Forsyth County Department of Social Services / Address: 741 North Highland Avenue, Winston-Salem, NC 27101 / Phone: 336.703.3800

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Usury and Regulations Governing Winston-Salem and Area

North Carolina Commissioner of Banks WebSite for consumer lending laws.

Summary of North Carolina State Usury Law (that Winston-Salem 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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