Personal Loans in Patterson, North Carolina

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

Company nameAddressZip codePhone number
First Horizon Bank 202 E Washington St, Rockingham, NC 28379 +1 (910) 997 - 6245
Time Financing Service 8030 North Point Blvd, Winston-Salem, NC 27106 +1 (336) 397 - 4383
First Citizens Bank 45 Falls Ave, Granite Falls, NC 28630 +1 (828) 396 - 3156
AgCarolina Farm Credit 13191 US-264, Swanquarter, NC 27885 +1 (252) 926 - 7481
First National Bank 4481 S North Carolina Hwy 150, Lexington, NC 27295 +1 (336) 853 - 5500
Carter Bank & Trust 821 4th St Dr SW, Hickory, NC 28602 +1 (828) 325 - 9800
Fifth Third Bank & ATM 16719 Birkdale Commons Pkwy, Huntersville, NC 28078 +1 (704) 688 - 1560
Regional Finance 11 Crispin Ct Suite 103, Asheville, NC 28803 +1 (828) 277 - 8882
United Community Bank 128 N 2nd St, Smithfield, NC 27577 +1 (919) 989 - 6700
BB&T Mortgage 30 Central St, Sylva, NC 28779

Personal Loan Companies in Nearby Cities

If there are no personal loan companies in Patterson, NC, you can try to find different companies in big cities nearby. Check out the following pages here: Personal Loans in Matthews, NC, Personal Loans in Monroe, NC, Personal Loans in Mooresville, NC, Personal Loans in Raleigh, NC, Personal Loans in Rocky Mount, NC, Personal Loans in Salisbury, NC, Personal Loans in Wake Forest, NC and Personal Loans in Wilmington, 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 Patterson, NC.

Introduction

Personal loans are a popular financial tool that people in Patterson, North Carolina, use to cover various expenses. Whether it’s unexpected medical bills, home repairs, or debt consolidation, personal loans can help individuals handle an unexpected expense or supplement their income.

Here in Patterson, North Carolina, personal loans are legal and regulated by state laws. This article will provide a comprehensive guide to personal loans in Patterson, North Carolina, covering everything from the types of personal loans available to potential lenders in the area.

Types of Personal Loans

Personal loans come in many forms. However, before taking out a personal loan, it is essential to understand the different types available and how they work.

Secured Personal Loans

Secured personal loans require collateral such as property, a car, or a certificate of deposit to guarantee repayment. Lenders offer lower interest rates for secured personal loans due to the reduced risk involved. If a borrower defaults, the lender can seize the collateral to recover the outstanding amount.

Unsecured Personal Loans

Unsecured personal loans do not require any collateral. They are riskier for lenders, and thus, they have higher interest rates than secured loans. To qualify for an unsecured personal loan, a borrower must have a good credit score and steady income to increase the chances of approval.

Debt Consolidation Loans

Debt consolidation loans are personal loans designed to help individuals consolidate multiple debts into one payment. These loans typically offer a lower interest rate than credit cards or other forms of debt. Consolidation loans can help simplify the monthly payment process and save money in the long run.

Payday Loans

Payday loans are short-term loans with high interest rates that are based on future income. They are designed as a quick solution for unexpected expenses. However, they come with risk and often result in a cycle of debt for borrowers. Payday loans are illegal in North Carolina.

Personal Loan Lenders in Patterson, North Carolina

When considering taking out a personal loan, it is important to research potential lenders and compare rates. Here are some personal loan lenders in the Patterson, North Carolina, area.

  • First Citizens Bank: Offers secured and unsecured personal loans with competitive rates. Borrowers can apply online or in-person at a branch.
  • PNC Bank: Offers a variety of personal loans, including secured and unsecured loans, debt consolidation loans, and lines of credit.
  • Regional Finance: Offers unsecured personal loans for individuals with less than perfect credit. They also offer personal loans for debt consolidation, home improvements, and unexpected expenses.

Interesting Facts and Statistics

  • In 2020, the average personal loan in North Carolina was $11,903.
  • The average interest rate for a 24-month personal loan in Patterson, North Carolina, is 9.17%.
  • North Carolina has strict laws and regulations in place to protect consumers from predatory lending practices.
  • According to the Federal Reserve Bank of New York, the total personal loan debt in the United States reached $156.3 billion in 2020.

Apply Now

If you are considering a personal loan in Patterson, North Carolina, TheGuaranteedLoans can facilitate the process. We are a connector service that connects potential borrowers with lenders. Our website has an online application that is simple to fill out and takes less than five minutes.

It is important to note that TheGuaranteedLoans is not a direct lender. We work with a network of lenders and can help connect potential borrowers with lenders based on their financial situation.

Apply now on our website and see what personalized loan options are available to you.

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F.A.Q.

How can I get a personal loan in Patterson, North Carolina?

You can get a personal loan in Patterson, North Carolina by applying with a bank, credit union, or online lender that offers personal loans in the state. You will need to meet their eligibility requirements and provide any required documentation.

What are the best personal loan rates in Patterson, North Carolina?

The best personal loan rates in Patterson, North Carolina will vary depending on the lender and your individual creditworthiness. It is best to shop around and compare offers from multiple lenders to find the best rate for you.

Look for Personal Loans in Other Cities:

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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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