Second Chance Unsecured Personal Loan In North Carolina

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Many unfortunate consumers that reside in North Carolina are finding it extremely difficult to get a unsecured loan with bad credit.  However, as frustating of a task this may seem to these subprime borrowers, it's not impossible in todays marketplace to secure one of these loans.


Our staff at "InfoAviator Publishing" along with are loyal viewers have assembled a list of credit unions and banks below that offer programs such as "credit builder",  "fresh start", and "second chance" loans that were designed to allow a individual to borrow the much needed money they need to move forward in life along with giving them a chance at making on-time monthly payments which will have a positive impact on their credit rating.


Consumers can also view our list of nationwide banks and financial institutions at that are willing to give out high risk unsecured signature loans to subprime borrowers residing in North Carolina.

asked Oct 10, 2014 in Personal Finance by tomvargo706 (5,290 points)

4 Answers

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Piedmont Advantage Credit Union offers a credit builder loan that enables members with a less than perfect credit score to reestablish or establish a positive credit rating going forward. 
Once approved for this loan, Piedmont Advantage Credit Union will place the borrowed cash on hold in a regular share account while the loan is being repayed.  The borrowers payment history will be reported to the major credit bureau and after the loan is repaid in full, the money will at that time be available to withdraw from that account.
Loan amounts under this program range from $500-$5,000 with a fixed interest rate and low monthly installment payment. To be eligible to participate in this program the applicant must be over 18 years old.
To learn more about this program offered by Piedmont Advantage Credit Union, please call 800.433.7228 or visit one of their banking branches below:
4997 Home Rd.
Winston-Salem, NC 27106
3815 Park Ave.
Wilmington, NC 28403
3530 Advantage Way
Winston-Salem, NC 27103
139 S. Cardigan Way
Mooresville, NC 28117
174 Liberty Square Crossing
Shopping Center
PO BOX 554
Kenansville, NC 28349-0554
3400-A Battleground Ave.
Greensboro, NC 27410
212 E. Kings Hwy
Eden, NC 27288
2830 Boyer St.
Charlotte, NC 28208
International Airport
Main Terminal, Second Floor
Charlotte, NC 28208
answered Oct 10, 2014 by tomvargo706 (5,290 points)
0 votes
Latino Community Credit Union offers a credit builder loan for people with no credit history (required).
A borrower can borrow a equal amount (with a fixed interest rate) that they have deposited in their Latino Community Credit Union savings account that will be used to guarantee the loan.  This money can't be withdrawn while the loan is being repaid.
Every monthly payment will be report to the credit bureau (Equifax) to help build your credit history. After one year of successful on-time payments, the borrower will be eligible to apply for unsecured credit.
To apply for a loan under this program a applicant must be a member of Latino Credit Union, have a valid SSN or ITIN, and
have valid photo ID from any country.
Branch Locations:
100 W. Morgan Street, Durham, NC 27701
Telephone: (919) 530-8800
104 Highway 54, suite KK, Carrboro, NC 27510
Telephone: (919) 967-1725
1420 Hardimont Road, Raleigh, NC 27609
Telephone: (919) 855-9696
4418 Fayetteville Rd, Raleigh, NC 27603
Telephone: (919) 773-9180
3130 Milton Rd, Charlotte, NC 28215
Telephone: (704) 531-0201
5933 South Boulevard; Charlotte, NC 28212
Telephone: (704) 553-0386
1951 – D Dickerson Boulevard, Monroe, NC 28110
Telephone: (704) 226-1651
2410 Randleman Road, Greensboro, NC 27406
Telephone: (336) 370-9512
658 Waughtown Street, Winston Salem, NC 27107
Telephone: (336) 784-0261
155 Bonanza Drive Suite 103, Fayetteville, NC 28303
Telephone: (910) 323-4334
answered Oct 10, 2014 by tomvargo706 (5,290 points)
edited Oct 10, 2014 by tomvargo706
0 votes
Summit Credit Union offers a second chance credit builder loan that can help a consumer build and repair their damaged credit.
Loans range from $1,000 to $5,000 and the money that is borrowed is placed in a special savings account and once that loan is paid in full, the borrower will have access to the funds.
Making the on-time fixed monthly payments with help boost your credit score.
To learn more about this credit building loan offered by Summit Credit Union, please contact one of their banking branches beow:
10 3rd Ave NE, Suite 600
Hickory, NC 28601
3840 Ed Drive, Suite 100
Raleigh, NC 27612
2283 Cloverdale Avenue
Winston-Salem, NC 27103
8 West 3rd Street, Suite 101
Winston-Salem, NC 27101
336-727-2968 or 877-424-4042
800 Summit Avenue
Greensboro, NC 27405
8210 West Market Street
Greensboro, NC 27409
336-662-6200 or 1-800-632-0210 
answered Oct 10, 2014 by tomvargo706 (5,290 points)
0 votes
Mountain Credit Union offers a "Share Secured Loan" that is secured by the balance in the borrowers savings account. This can be a great loan product for someone who needs a second chance to build back their credit.
Please contact one of Mountain Credit Union's banking branches below for more information:
721 North Main Street   Phone: 828.452.2216
Waynesville, NC 28786
30 Highway 107   Phone: 828.586.0425
Sylva, NC 28779
746 East Main Street   Phone: 828.524.4464
Franklin, NC 28734
5010 Hendersonville Road   Phone: 828.684.9999
Fletcher, NC 28732
3533 US 441 North   Phone: 828.497.6211
Whittier, NC 28789
1453 Sand Hill Rd.   Phone: 828.667.7245
Candler, NC 28715
219 Haywood Street   Phone: 828.252.8234
Asheville, NC 28801
answered Oct 10, 2014 by tomvargo706 (5,290 points)

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