Personal Loans in Ararat, North Carolina

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No personal loan companies in Ararat, NC. Consider companies in other cities:

Company nameAddressZip codePhone number
Piedmont Federal Savings Bank 200 Wilkesboro Ave, North Wilkesboro, NC 28659 +1 (336) 667 - 9211
First Citizens Bank 318 W Main St, Forest City, NC 28043 +1 (828) 245 - 7204
First National Bank 205 US-64, Manteo, NC 27954 +1 (252) 473 - 5821
Southern Bank - Plymouth 612 Washington St, Plymouth, NC 27962 +1 (252) 793 - 1115
Future Financial Services 3009 S Memorial Dr, Greenville, NC 27834 +1 (252) 215 - 5675
First Citizens Bank 1205 Dabney Dr, Henderson, NC 27536 +1 (252) 492 - 4145
American National Bank and Trust Company 173 Main St, Yanceyville, NC 27379 +1 (336) 694 - 4148
Security Finance 1267 N Brightleaf Blvd B, Smithfield, NC 27577 +1 (919) 938 - 0777
Navy Federal Credit Union 2698 NC 24-87, A02, Cameron, NC 28326 +1 (888) 842 - 6328
New Southern Loans, Inc. 7037 Knightdale Blvd, Knightdale, NC 27545 +1 (919) 217 - 8393

Personal Loan Companies in Nearby Cities

If there are no personal loan companies in Ararat, NC, you can try to find different companies in big cities nearby. Check out the following pages here: Personal Loans in High Point, NC, Personal Loans in Holly Springs, NC, Personal Loans in Huntersville, NC, Personal Loans in Indian Trail, NC, Personal Loans in Jacksonville, NC, Personal Loans in Kannapolis, NC, Personal Loans in Matthews, NC and Personal Loans in Monroe, 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 Ararat, NC.

The Best Guide to Personal Loans in Ararat, North Carolina

If you’re looking for a way to fund a project, consolidate debts, or finance a purchase, personal loans can be an excellent option. While there are many lenders and loan types out there, Ararat, North Carolina offers some of the most flexible and accessible options for borrowers.

What Are Personal Loans?

Personal loans are a type of installment loan that allows borrowers to borrow a lump sum of money that must be paid back over a predetermined period usually ranging from 6 to 24 months. Unlike credit cards, personal loans have a fixed interest rate, payment, and a predetermined payoff term.

These loans are useful for people who need to cover a big expense, such as a medical bill, home improvement project, or car repair. In Ararat, North Carolina, personal loans are legal, and there are many viable options available to residents.

Types of Personal Loans in Ararat, North Carolina

Before taking out a personal loan, it’s essential to know your options. Here are three types you might come across in Ararat, North Carolina:

  • Secured Personal Loans: These loans require collateral as a means of security to the lender. If the borrower fails to pay back the loan amount, the lender may seize the collateral as a form of payment. This option is often available to borrowers who may have a less than favorable credit score, and the interest rate is comparatively lower than that of most other loan types.
  • Unsecured Personal Loans: An unsecured personal loan does not require collateral and is usually based on credit score and employment history. The interest rate on relatively unsecured personal loans is higher than that of secured personal loans.
  • Payday Loans: Payday loans are a type of short-term unsecured loan that is usually due on the borrower’s next payday. A payday loan is often seen as a last-resort option and can come with very high-interest rates, making it expensive in the long run. The annual percentage rate (APR) for payday loans in North Carolina is capped at 36%

When considering which personal loan to choose, understand the terms and conditions that come with it.

How to Qualify for a Personal Loan in Ararat, North Carolina

To qualify for a personal loan in Ararat, North Carolina generally, you will need:

  • A credit score of at least 600, this score may vary according to the lender and type of loan.
  • Proof of income, preferably with a minimum of $24,000 annually.
  • Proof of residency within the state of North Carolina.
  • Valid bank account and contact information such as phone number and email.

When considering which lender to utilize, it’s important to keep your credit score in mind, as it may affect your interest rate, which will determine how much you pay in the end. It’s wise to compare rates from different lenders.

Applying for a Personal Loan in Ararat, North Carolina

TheGuaranteedLoans is a connector service that can help you find lenders offering personal loans in Ararat, North Carolina. When utilizing their service, borrowers need to:

  • Fill out the online application form that can be found on their website.
  • The borrower will then be asked to provide personal information such as income, credit score, and contact information.
  • TheGuaranteedLoans will then search for lenders that can cater to the borrower’s needs and request further information on behalf of the borrower.
  • The lenders will then send the borrower an offer with their terms and conditions.

Remember, TheGuaranteedLoans is a connector service, not a direct lender. The primary convenience of using their services is that borrowers can compare rates from various lenders without having to do the legwork themselves.

Interesting Facts About Personal Loans in Ararat, North Carolina

  • According to Statista, personal loans make up approximately 70% of new bank lending originations in the United States.
  • Average interest rates for personal loans in the United States fall approximately between 8-36%
  • 84% of Americans who borrowed personal loans said they used them responsibly, according to a report from LendingTree.
  • In 2019, 27% of Americans used a personal loan to consolidate or repay debt, according to Experian.

Apply Now

Are you looking for a personal loan in Ararat, North Carolina? Apply now through TheGuaranteedLoans to find the best lenders in your area. Our services are efficient, cost-effective, and straightforward. Our lenders work quickly and efficiently to get you the capital you need within the shortest amount of time possible. APPLY NOW, and let TheGuaranteedLoans solve your financial needs!

Useful Articles

Personal Loans Available in Ararat, NC By The Following ZIP Codes:

27007

Ararat, NC personal loan calculator

Advise to read before applying

F.A.Q.

Are personal loans in Ararat, North Carolina available for people with low income?

Some lenders in Ararat, North Carolina may offer personal loans to people with low income, but these loans may come with higher interest rates and fees. It is important to carefully compare loan offers and consider the total cost of the loan before accepting it.

Can I get a personal loan with a cosigner in Ararat, North Carolina?

Yes, you can get a personal loan with a cosigner in Ararat, North Carolina. A cosigner is a person who agrees to be responsible for the loan if the borrower is unable to make the payments. Having a cosigner with a good credit score can improve your chances of getting approved for a personal loan and may help you secure a lower interest rate.

Look for Personal Loans in Other Cities:

Apex Asheville Burlington Cary Chapel Hill Charlotte Concord Durham Fayetteville Gastonia Goldsboro Greensboro Greenville Hickory High Point Holly Springs Huntersville Indian Trail Jacksonville Kannapolis Matthews Monroe Mooresville Raleigh Rocky Mount Salisbury Wake Forest Wilmington Wilson Winston-Salem
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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