Fair to Bad Credit Loans in NCWe Find Lenders Who Lend To Bad Credit Borrowers ![]() Home > How To Apply > North Carolina Last updated April 4th 2021 Commentary is for informational purposes only. See legal disclaimers here. Money Trouble in North Carolina?It's hard when your credit is bad right? We can help, and in about 10 seconds you're going to see how. Enter your zip and credit score to get started! North Carolina Usury and RegulationsSummary of North Carolina Usury Law(s) / Quote: "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" (WeFindLenders.com endeavors to include the most up to date legal data for North Carolina, but no guarantee or warranty of any kind is expressed or implied as to the accuracy of said data. This data is not intended to be legal advice. For legal help speak with a lawyer in North Carolina, and/or contact the North Carolina State government's division of banking and finance - legal statutes researched by FindLaw.com & American Lawyers Quarterly - see credits) Code § 24-1 -24-1.1 (North Carolina Usury Law Snippets of Interest) Quote: "1.) § 24-1. Legal rate is eight percent. Except as otherwise provided in G.S. 136-113, the legal rate of interest shall be eight percent (8%) per annum for such time as interest may accrue, and no more. (1876-7, c. 91; Code, s. 3835; 1895, c. 69; Rev., s. 1950; C.S., s. 2305; 1979, 2nd Sess., c. 1157, s. 1; 2016-90, s. 18(a).) 2.) § 24-1.1. Contract rates and fees. (a) Except as otherwise provided in this Chapter or other applicable law, the parties to a loan, purchase money loan, advance, commitment for a loan or forbearance other than a credit card, open-end, or similar loan may contract in writing for the payment of interest not in excess of: (1) Where the principal amount is twenty-five thousand dollars ($25,000) or less, the rate set under subsection (c) of this section; or (2) Any rate agreed upon by the parties where the principal amount is more than twenty-five thousand dollars ($25,000). (b) As used in this section, interest shall not be deemed in excess of the rates provided where interest is computed monthly on the outstanding principal balance and is collected not more than 31 days in advance of its due date. Nothing in this section shall be construed to authorize the charging of interest on committed funds prior to the disbursement of said funds" North Carolina Lenders By CityCharlotte NC / Raleigh NC / Greensboro NC / Winston-Salem NC / Durham NC / Cary NC / Fayetteville NC / Asheville NC / Wilmington NC / Chapel Hill NC Complaints
to: North Carolina Lender Service Areas MapClick
or tap map image above for interactive version. Active
lenders in WFL pool serving North Carolina are based in Charlotte,
Raleigh, Greensboro, Durham, Winston-Salem, Fayetteville, Wilmington,
Greenville, Asheville. Mike lost his job a few months ago, got behind on
his rent and also his credit cards. He kept his payments up to date
on his car loan because he knew that they would reclaim his car if
he did not meet the monthly payment on his car loan. He needed his car to go for interviews and get to
work once he found a job. If Mike had also maintained his credit card
payments he probably would not be in the bad credit position he is
now in. They were the first to report his lack of payments. As far
as he knows his landlord has still not reported his late payment on
his rent. He just paid his current months rent, but is two months
behind on his rent from two months ago. If you live in the State of North
Carolina and you're struggling with a bad credit rating we hope our
website helps you in some way. Andy Somerset Andy
Somerset is the son of Lance Somerset who founded the We
Find Lenders Pool. He writes for WeFindLenders.com whenever he's
not working hard on his degree in finance.
Debt Consolidation Providers In NCDebt service providers: contact us for listing removal. Charlotte Metro Credit Union New Dominion Bank Winston-Salem Federal Credit Union First National Bank Summit Credit Union Paragon Bank Sharonview Federal Credit Union Carter Bank & Trust Self-Help Credit Union Live Oak Bank NC Debt Consolidation Application FormAbout Debt Consolidation Loans In NCIn the list of providers above there are 10 lending institutions in North Carolina who provide debt consolidation loans. However, they are more likely to approve your loan if your credit rating is fair/average, or higher. Not saying they won't approve your loan if you have a bad credit rating (with really low scores). They will, but they will ask for a cosigner and/or an asset like a house. If you have a bad credit score and you need to get approved for an unsecured loan it will be tough with most banks and credit unions. You can use our bad credit service above by submitting your pre-app with the form above. As soon as you click submit you will be on your way to having hundreds of legitimate lenders reviewing your request. NC Debt Consolidation Providers MapClick
or tap map image above for interactive version. Denzel lives in Raleigh and works as a
baker full time. He makes a reasonable wage each month but it wasn't enough
to deal with all of the surprise expenses he was hit with. Out of the blue he was hit with a car
insurance deduct able for $700 and that seemed to be start of his bad
luck. And it wasn't JUST luck that caused him to be spiraling out of control.
When he got the ding in the side of his car he was really annoyed to be
reminded of the fact that his deductible was that high. He paid it with his credit card. But then
another stroke of fate smacked him right between the eyes. His father
was diagnosed a terminal brian disease that same week his car got hit. Denzel was really upset about his father
and it's all he could think of. He's always been very close with his Dad,
so when his father asked to him to do a bucket list trip Denzel didn't
want to say no. So he didn't. He didn't have any saving, and that makes
it difficult to be "jet set". Nevertheless, he got a couple
more credit cards to round out his card collection to 8 cards. With all of his credit cards he booked
their flights and went on a trip to Hawaii, France, Italy, and England.
They went as cheap as possible, but it still added up to a really big
bill by the time they flew back to North Carolina. It came to just under
$30,000 dollars. It was a good thing his boss at the bakery
was so cool about giving Denzel the time off to take this last trip with
his father. In his pre-application he said he had no regrets about the
money he spent, even if is was purely on credit. He figures that $30K
is not really a big deal in the long run. It's more important that his
father had a chance to go on his final journey. After coming home Denzel decided to get
an extra job to help make ends meet. He managed to find a part time job
that brought in another $750 a month. Unfortunately, most of the money
went to pay for his Dad's medication. His father did have some medical
coverage with his pension, bit it wasn't enough to pay for all the medication
required. So Denzel made sure all the medication
for his Dad was looked after. His Dad passed away a few months later and
then he had to look after the cremation and memorial services. All said
and done he needed to find a loan for $27000. He decided to apply for $30K just make
sure ALL his bills were cleared off and give him a little breathing room.
You can see the breakdown for the loan he was approved for. Principal = $30000 As per normal here the calculation
above doesn't take into account the fees charged by the lender. Lender
fees vary and loan agreements vary, but this gives us a totals that are
at least close to what the borrower would be paying back per month and
how much interest for the entire 5 year term. If you live in the State of North Carolina
and you're trying to get approved for a debt consolidation loan, we hope
our website helps you find a good lender and a low interest rate. Andy Somerset Andy
Somerset is the son of Lance Somerset who founded the We
Find Lenders Pool. He writes for WeFindLenders.com whenever he's not
working hard on his degree in finance.
Clearpoint Consumer Credit Services
Raleigh NC - - - - - - - - - - - - - - - -
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- - - - - - - - - - - - - Family Guidance Services Hickory,
NC
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