Installment Loans in Sims, North Carolina

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No installment loan companies in Sims, NC. Consider companies in other cities:

Company nameAddressZip codePhone number
First Citizens Bank 217 N Main St, Dobson, NC 27017 +1 (336) 386 - 8145
Security Financial Services 1004 Corporate Dr, Goldsboro, NC 27534 +1 (919) 735 - 1147
First Bank - Wallace, NC 108 Tobacco Rd, Wallace, NC 28466 +1 (910) 285 - 7121
Union Bank 119 W Railroad St, La Grange, NC 28551 +1 (252) 566 - 5600
First Bank - Marion, NC 162 N Main St, Marion, NC 28752 +1 (828) 652 - 3141
Coastal Credit Union 5330 Apex Peakway, Apex, NC 27502 +1 (800) 868 - 4262
SunTrust 135 N Main St, Waynesville, NC 28786 +1 (828) 558 - 3151
Nantahala Bank & Trust 120 Siler Rd, Franklin, NC 28734 +1 (828) 369 - 2265
Carolina Farm Credit ACA 146 Victory Ln, Statesville, NC 28625 +1 (704) 873 - 0276
Cape Fear Farm Credit Services 331 S Main St, Raeford, NC 28376 +1 (910) 875 - 6181

Installment Loan Companies in Nearby Cities

If there are no installment loan companies in Sims, NC, you can try to find different companies in big cities nearby. Check out the following pages here: Installment Loans in Burlington, NC, Installment Loans in Cary, NC, Installment Loans in Chapel Hill, NC, Installment Loans in Charlotte, NC, Installment Loans in Concord, NC, Installment Loans in Durham, NC, Installment Loans in Fayetteville, NC and Installment Loans in Gastonia, NC. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Sims, NC.

Understanding Installment Loans in Sims, North Carolina

If you’re looking for a loan with flexibility and ease of repaying it over time, an installment loan could be the perfect solution for you. Installment loans are becoming increasingly popular options for citizens in Sims, North Carolina, as they provide more stability than their counterparts, such as payday loans and title loans. They’re also legal in North Carolina, so you don’t have to worry about engaging in any illegal activities. In this article, we’ll take a closer look at installment loans in Sims, North Carolina, how they work, and what you need to know before applying for one.

How Do Installment Loans Work?

Installment loans are typically personal loans that come with a set term, interest rate, and repayment schedule. Unlike payday loans, which require a lump sum repayment on your next paycheck, installment loans can be repaid over several months or years. Lenders determine the amount of your installment loan based on your creditworthiness, income, and other factors, such as your monthly expenses and debts. You’ll typically receive the funds as a lump sum, and payments are due a set number of times over the loan period, such as monthly or bi-weekly.

Are Installment Loans Legal in North Carolina?

Yes, installment loans are legal in North Carolina, but not all lenders are licensed to offer them. North Carolina has strict usury laws that limit the interest rate a lender can charge on their loans. However, some lenders have found a loophole and offer installment loans that come with triple-digit interest rates. It’s vital to find a lender that’s licensed in North Carolina and follows all state regulations to avoid illegal and potentially harmful loans.

What Are the Benefits of Installment Loans?

  • Flexibility: You can adjust your loan payments to fit your monthly budget, ensuring you don’t face any financial burdens.
  • Lower Interest Rates: Installment loans have lower interest rates as compared to payday loans and other unsecured loans, resulting in lower overall costs in the long run.
  • Improved Credit Score: When you make your payments on time, installment loans have the potential to improve your credit score as they demonstrate your ability to handle debt responsibly.

What Are the Risks of Installment Loans?

Installment loans can be a useful tool in helping you manage your finances, but there are some potential risks you should consider.

  • High-Interest Rates: While installment loans typically carry lower interest rates than payday loans, the interest rate can still be higher than traditional bank loans.
  • Long-Term Debt: Lengthier loan terms and low monthly payments can result in carrying a long-term debt burden, which can restrict your financial mobility.
  • Hidden Fees: Some lenders charge origination fees, prepayment penalties, and other fees that you should be aware of before you sign on the dotted line.

Interesting Stats and Facts About Installment Loans in Sims, North Carolina

  • Number of Lenders: North Carolina currently has over 4,000 licensed lenders that offer installment loans to citizens.
  • Loan Amounts: The average loan amount taken out by citizens in North Carolina is approximately $2,000.
  • Loan Term: The typical loan term length is around six months, extending up to five years.
  • Interest Rates: Interest rates for installment loans in North Carolina typically range between 18% and 36% APR, well within the permissible usury laws in the state.

Apply Now

Ready to apply for an installment loan? TheGuaranteedLoans is here to help connect you with potential lenders. We are a connecting service, not a direct lender, and will facilitate a connection with one or more lenders from our network. To apply, visit our website and fill out our simple online application form. Our network of lenders will review your application and determine if you’re eligible for a loan that fits your budget and needs. What are you waiting for? Apply now!

Useful Articles

Installment Loans Available in Sims, NC By The Following ZIP Codes:

27880

Sims, NC installment loan calculator

Advise to read before applying

F.A.Q. About Installment Loans

Can I get No Credit Check Loan in Sims, NC?

Yes, you can get a no credit check loan in Sims, NC when you apply online.

How to Get a Bad Credit Loans in Sims, NC?

To apply for a bad credit loan in Sims, NC, you need to find a direct loan lender online.

Look for Installment Loans in Other Cities:

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