Winston Salem Personal Loan in 2025

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North Carolina Winston Salem

Eligibility Criteria for Personal Loans

  • Valid identification: Government-issued ID such as a passport or driver's license.
  • Proof of residency: Recent utility bill or lease agreement.
  • Active bank account: A checking account in good standing.
  • Proof of income: Recent pay stubs or bank statements.
  • Contact information: Current phone number and email address.
  • Age requirement: Must be at least 18 years old.
  • Emergency justification: Brief explanation of the urgent need for funds.

Trusted Personal Loan Lenders in Winston Salem, NC

Explore reliable and reputable personal loan lenders through our NGO's curated list, ensuring trustworthy financial solutions tailored to support your individual needs and empower your financial journey.

Lender
User Ratings
Address
Phone
Category
Chris B Blake Jenkins | Fairway Independent Mortgage Corporation Senior Loan Officer
User Raiting:
5.00
Address: 514 S Stratford Rd Suite 240, Winston-Salem, NC 27103
Phone: +1 (336) 608-3267
Category: Financial institution
First Bank - Winston-Salem Oliver's Crossing, NC
User Raiting:
5.00
Address: 5002 Peters Creek Pkwy, Winston-Salem, NC 27127
Phone: +1 (336) 788-4141
Category: Bank
First Bank - Winston-Salem Peace Haven, NC
User Raiting:
5.00
Address: 1554 N Peace Haven Rd, Winston-Salem, NC 27104
Phone: +1 (336) 369-6940
Category: Bank
First Bank - Winston-Salem University Pkwy, NC
User Raiting:
5.00
Address: 5610 University Pkwy, Winston-Salem, NC 27105
Phone: +1 (336) 776-9262
Category: Bank
Tina Shields
User Raiting:
5.00
Address: 380 Knollwood St Suite 410, Winston-Salem, NC 27103
Phone: +1 (877) 314-1499
Category: Financial institution
Paige Nance | Fairway Independent Mortgage Corporation Senior Loan Officer
User Raiting:
5.00
Address: 2098 Frontis Plaza Blvd, Winston-Salem, NC 27103
Phone: +1 (336) 692-9594
Category: Financial institution
Five Points Capital, Inc
User Raiting:
5.00
Address: 101 N Cherry St #700, Winston-Salem, NC 27101
Phone: +1 (336) 733-0350
Category: Financial institution
Piedmont Federal Savings Bank
User Raiting:
5.00
Address: 201 S Stratford Rd, Winston-Salem, NC 27103
Phone: +1 (336) 770-1050
Category: Bank
Billy T Reynolds | Fairway Independent Mortgage Corporation SVP Area Manager
User Raiting:
5.00
Address: 514 S Stratford Rd Suite 240, Winston-Salem, NC 27103
Phone: +1 (336) 714-1557
Category: Financial institution
Piedmont Federal Savings Bank
User Raiting:
5.00
Address: 1040 Southpark Blvd, Winston-Salem, NC 27127
Phone: +1 (336) 770-1040
Category: Bank
Ryan A Reynolds | Fairway Independent Mortgage Corporation Senior Loan Officer
User Raiting:
5.00
Address: 514 S Stratford Rd Suite 240, Winston-Salem, NC 27103
Phone: +1 (336) 714-1558
Category: Financial institution
OneMain Financial
User Raiting:
4.90
Address: 256 Summit Square Blvd, Winston-Salem, NC 27105
Phone: +1 (336) 377-2143
Category: Loan agency
National Pawn and Jewelry 13, Winston-Salem
User Raiting:
4.90
Address: 3600 Reynolda Rd, Winston-Salem, NC 27106
Phone: +1 (336) 608-3300
Category: Financial institution
Atlantic Bay Mortgage Group
User Raiting:
4.80
Address: 110 Oakwood Dr Suite 540, Winston-Salem, NC 27103
Phone: +1 (336) 793-4400
Category: Financial institution
Cash Lovell Stables & Riding Academy
User Raiting:
4.80
Address: 2210 Darwick Rd, Winston-Salem, NC 27127
Phone: +1 (336) 784-6385
Category: Financial institution
ACE Cash Express
User Raiting:
4.70
Address: 1499 New Walkertown Rd, Winston-Salem, NC 27101
Phone: +1 (336) 722-0233
Category: Check cash
State Employees’ Credit Union
User Raiting:
4.60
Address: 1025 S Peace Haven Rd, Winston-Salem, NC 27103
Phone: +1 (336) 778-2506
Category: Credit union
Credit Union Auto Buying Service
User Raiting:
4.60
Address: 4990 University Pkwy, Winston-Salem, NC 27106
Phone: +1 (800) 282-2755
Category: Financial institution
ACE Cash Express
User Raiting:
4.60
Address: 3583 N Patterson Ave, Winston-Salem, NC 27105
Phone: +1 (336) 744-8052
Category: Check cash
Regional Finance
User Raiting:
4.50
Address: 5062 Peters Creek Pkwy Unit D, Winston-Salem, NC 27127
Phone: +1 (336) 771-1029
Category: Loan agency
Members Credit Union
User Raiting:
4.50
Address: 2098 Frontis Plaza Blvd A, Winston-Salem, NC 27103
Phone: +1 (336) 748-4800
Category: Credit union
Regional Finance
User Raiting:
4.50
Address: 4964 Martin View Ln, Winston-Salem, NC 27104
Phone: +1 (336) 354-4930
Category: Loan agency
State Employees’ Credit Union
User Raiting:
4.50
Address: 134 S Stratford Rd, Winston-Salem, NC 27104
Phone: +1 (336) 722-9292
Category: Credit union
Members Credit Union
User Raiting:
4.40
Address: 5995 Museum Dr, Winston-Salem, NC 27105
Phone: +1 (336) 519-7528
Category: Credit union
Summit Credit Union
User Raiting:
4.40
Address: 1100 S Stratford Rd Suite 400B, Winston-Salem, NC 27103
Phone: +1 (336) 662-6200
Category: Credit union
State Employees’ Credit Union
User Raiting:
4.30
Address: 2924 Waughtown St, Winston-Salem, NC 27107
Phone: +1 (336) 722-2543
Category: Credit union
First Citizens Bank
User Raiting:
4.30
Address: 3001 Trenwest Dr, Winston-Salem, NC 27103
Phone: +1 (336) 631-2400
Category: Bank
State Employees’ Credit Union
User Raiting:
4.20
Address: 4985 University Pkwy, Winston-Salem, NC 27106
Phone: +1 (336) 767-4320
Category: Credit union
Piedmont Advantage Credit Union
User Raiting:
4.20
Address: 4997 Home Rd NW, Winston-Salem, NC 27106
Phone: +1 (800) 433-7228
Category: Credit union
Mariner Finance
User Raiting:
4.10
Address: 1113 Silas Creek Pkwy B, Winston-Salem, NC 27127
Phone: +1 (336) 723-7078
Category: Loan agency
Allegacy Federal Credit Union
User Raiting:
4.10
Address: 1691 Westbrook Plaza Dr, Winston-Salem, NC 27103
Phone: +1 (336) 830-8600
Category: Credit union
OneMain Financial
User Raiting:
4.10
Address: 7756 N Point Blvd, University Plaza Dr, Winston-Salem, NC 27106
Phone: +1 (336) 377-3600
Category: Loan agency
State Employees’ Credit Union
User Raiting:
3.90
Address: 2250 Silas Creek Pkwy, Winston-Salem, NC 27103
Phone: +1 (336) 773-0016
Category: Credit union
First Bank - Winston-Salem Knollwood, NC
User Raiting:
3.70
Address: 401 Knollwood St, Winston-Salem, NC 27103
Phone: +1 (336) 714-7644
Category: Bank
Wagner Financial Services, Inc.
User Raiting:
3.60
Address: 175 Jonestown Rd, Winston-Salem, NC 27104
Phone: +1 (336) 794-3833
Category: Loan agency
Piedmont Advantage Credit Union
User Raiting:
3.40
Address: 3530 Advantage Way, Winston-Salem, NC 27103
Phone: +1 (800) 433-7228
Category: Credit union
Time Financing Service
User Raiting:
3.30
Address: 8030 North Point Blvd, Winston-Salem, NC 27106
Phone: +1 (336) 397-4383
Category: Loan agency
First Horizon Bank
User Raiting:
3.20
Address: 500 S Stratford Rd, Winston-Salem, NC 27103
Phone: +1 (336) 724-2075
Category: Bank
Allegacy Federal Credit Union
User Raiting:
3.20
Address: 1910 N Peace Haven Rd, Winston-Salem, NC 27106
Phone: +1 (336) 830-8600
Category: Credit union
Royalty Finance
User Raiting:
3.00
Address: 1411 Plaza West Rd, Winston-Salem, NC 27103
Phone: +1 (336) 993-1300
Category: Loan agency
Piedmont Federal Savings Bank
User Raiting:
3.00
Address: 2095 N Peace Haven Rd, Winston-Salem, NC 27106
Phone: +1 (336) 770-1060
Category: Bank
Wells Fargo Bank
User Raiting:
3.00
Address: 701 N Martin Luther King Jr Dr, Winston-Salem, NC 27101
Phone: +1 (336) 777-1898
Category: Bank
Bank OZK
User Raiting:
2.90
Address: 1230 Creekshire Way, Winston-Salem, NC 27103
Phone: +1 (336) 760-2550
Category: Bank
First National Bank
User Raiting:
2.60
Address: 10335 NC-109, Winston-Salem, NC 27107
Phone: +1 (336) 769-3000
Category: Bank
Allegacy Federal Credit Union
User Raiting:
2.60
Address: 575 N Patterson Ave, Winston-Salem, NC 27101
Phone: +1 (336) 830-8600
Category: Credit union
Allegacy Federal Credit Union
User Raiting:
2.50
Address: 3390 Sides Branch Rd, Winston-Salem, NC 27127
Phone: +1 (336) 830-8600
Category: Credit union
Lendmark Financial Services LLC
User Raiting:
2.40
Address: 400 E Hanes Mill Rd, Winston-Salem, NC 27105
Phone: +1 (336) 377-2011
Category: Loan agency
Wells Fargo Bank
User Raiting:
2.40
Address: 418 S Stratford Rd, Winston-Salem, NC 27103
Phone: +1 (336) 735-4900
Category: Bank
First Horizon Bank
User Raiting:
2.10
Address: 225 E Hanes Mill Rd, Winston-Salem, NC 27105
Phone: +1 (336) 377-2230
Category: Bank
CHECK CASHING STORE
User Raiting:
1.50
Address: 1021 Waughtown St, Winston-Salem, NC 27107
Phone: +1 (336) 252-1037
Category: Check cash
Myra Bruggman - Citizens Bank, Home Mortgages
User Raiting:
1.00
Address: 380 Knollwood St, Winston-Salem, NC 27103
Phone: +1 (336) 972-0518
Category: Financial institution
View More

What Are the Alternatives for Short-term Loans in Winston Salem?

Explore healthier financial options beyond payday loans, including personal loans, credit unions, and budgeting tools, to break the cycle of high interest and financial stress.

Quick Installment Loans

Quick installment loans are borrowed funds repaid over set periods, allowing manageable monthly payments. Ideal for planned expenses, their terms vary based on borrower agreements and creditworthiness.

Instant Cash Loans

Instant cash loans offer immediate access to funds for urgent needs. Typically short-term, their approval is rapid but often comes with higher interest rates to offset lender risks.

Fast Title Loans

Fast title loans utilize a borrower’s vehicle title as collateral, providing quick liquidity. They're risky due to high-interest rates and potential vehicle repossession upon repayment failure.

Emergency Loans Online

Emergency loans online cater to unexpected financial crises, offering convenience with online applications. They usually prioritize speed over amounts, bridging gaps during financial shortfalls.

Payday Loans Online

Payday loans online provide short-term financial support, payable on the borrower's next payday. Accessible via the internet, they often carry significant interest, demanding cautious consideration.

No Credit Check P2P Loans

No credit check P2P loans bypass traditional credit assessments, using peer networks for funding. These loans rely on trust and flexible terms, serving borrowers unable to access conventional loans.

Guaranteed Debt Consolidation Loans

Guaranteed debt consolidation loans combine multiple debts into a single payment plan, often with lower interest rates. They offer a structured route for managing and potentially reducing overall debt.

Online Bad Credit Loans

Online bad credit loans accommodate individuals with poor credit histories, providing funds despite low credit scores. Although accessible, they often feature higher interest rates and stricter terms.

How to Get to Winston Salem

Complaints about Short-Term Loans in North Carolina

Issue Type
Amount of Complaints
Charged fees or interest you didn't expect
284
Problem when making payments
166
Struggling to pay your loan
136
Problem with the payoff process at the end of the loan
112
Getting the loan
98
Incorrect information on your report
88
Problem with additional add-on products or services
67
Charged fees or interest I didn't expect
67
Getting a line of credit
62
Improper use of your report
32
The data is taken from consumer complaint database created by Consumer Financial Protection Bureau

Submit a Complaint for a Short-term lender in Winston Salem

If you need to submit a complaint against a payday lender in North Carolina, the primary regulatory body is the North Carolina Commissioner of Banks. They ensure compliance with state laws governing payday loans. You can reach them at:

  • North Carolina Office of the Commissioner of Banks, 316 W. Edenton Street, Raleigh, NC 27603
  • (919) 733-3016
Submit a Complaint

Frequently Asked Questions about Short-term Loans

Are Payday Loans Legal in North Carolina?

No, payday loans are not legal in North Carolina. The state has stringent laws and regulations in place that effectively ban payday lending to protect consumers from predatory practices and high interest rates. These regulations are designed to safeguard the financial well-being of North Carolina residents.

Why are Payday Loans Prohibited?

Payday loans are prohibited in North Carolina due to concerns about the harm they can cause to borrowers. The high-cost structure of payday loans can lead individuals into cycles of debt, making it challenging to achieve financial stability. The state government has implemented these laws to prevent payday lenders from exploiting vulnerable consumers.

What Alternatives Are Available for Short-Term Financial Needs?

North Carolina offers various alternatives for individuals facing short-term financial needs. These alternatives prioritize responsible lending practices and borrower protection. Residents can explore traditional bank loans, credit unions, personal installment loans, and assistance programs provided by nonprofit organizations and government agencies.

Can Out-of-State Lenders Offer Payday Loans?

No, out-of-state payday lenders are not allowed to offer payday loans to residents in North Carolina. The state's regulations extend beyond its borders to ensure that borrowers are protected from predatory lending practices, regardless of the lender's location.

What Should I Do If I Have an Existing Payday Loan in North Carolina?

If you have an existing payday loan, it's important to know that it is not legally enforceable in North Carolina. The state's laws render such loans void. If you're facing challenges related to an existing payday loan, you can seek guidance from the North Carolina Attorney General's Office. They can provide assistance and resources to help resolve any issues associated with the loan.

Where Can I Report Unlawful Payday Lending Practices?

If you encounter any unlawful payday lending practices or believe you have been targeted by predatory lenders, it's essential to report these issues. You can report them to the North Carolina Attorney General's Office. Your report can contribute to investigations and efforts to curb predatory lending practices in the state, protecting other consumers from similar experiences. Your actions can make a difference in promoting fair and responsible lending practices in North Carolina.

North Carolina Personal Loans Near Me

Aberdeen Advance Ahoskie Albemarle Andrews Angier Apex Archdale Arden Asheboro Asheville Askewville Atlantic Beach Aurora Avon Ayden Bailey Bakersville Balsam Grove Banner Elk Barco Bayboro Beach Beaufort Belhaven Belmont Belville Bennett Benson Bermuda Run Bessemer City Beulaville Biscoe Black Mountain Bladenboro Blowing Rock Bolivia Boone Bostic Bragg Brevard Broadway Browns Summit Brunswick Bryson City Buies Creek Bunn Burgaw Burlington Burnsville Butner Calabash Camden Cameron Camp Lejeune Candler Candor Canton Carolina Beach Carrboro Carthage Cary Cashiers Castle Hayne Catawba Cedar Island Cedar Point Chadbourn Chapel Hill Charlotte Cherokee Cherryville China Grove Chocowinity City Claremont Clarkton Clayton Clemmons Clinton Clyde Coinjock Colfax Columbia Columbus Concord Connelly Springs Conover Cornelius Corolla Cove City Cramerton Creedmoor Cullowhee Dallas Danbury Davidson Deep Run Denton Denver Dobson Duck Dunn Durham East Bend Eastover Eden Edenton Elizabeth City Elizabethtown Elk Elkin Ellerbe Elm City Elon Emerald Isle Enfield Engelhard Erwin Etowah Evergreen Fair Bluff Fairmont Faith Falls Farmville Fayetteville Flat Rock Fletcher Forest City Fort Bragg Four Oaks Franklin Fuquay varina Garland Garner Gastonia Gatesville Gibsonville Glade Valley Goldsboro Goldston Graham Grandy Granite Falls Granite Quarry Grantsboro Greensboro Greenville Grifton Halifax Hamlet Hampstead Hamptonville Harbinger Harmony Harrisburg Hatteras Havelock Hayesville Henderson Hendersonville Hertford Hickory Hiddenite High Point High Shoals Highlands Hildebran Hills Hillsborough Holden Beach Holly Ridge Holly Springs Hope Mills Hubert Huntersville Indian Trail Iron Station Isle Jackson Jacksonville Jamestown Jefferson Jonesville Kannapolis Kenansville Kenly Kernersville Kill Devil Hills King Kings Mountain Kinston Kitty Hawk Knightdale La Grange Lake Lure Landis Laurel Hill Laurinburg Lawndale Lawsonville Leland Lenoir Lewiston Woodville Lexington Liberty Lillington Lincolnton Linville Littleton Locust Louisburg Lowell Lowgap Lumber Bridge Lumberton Madison Maggie Valley Maiden Manns Harbor Manteo Marble Marion Mars Hill Marshall Marshville Marvin Matthews Maxton Mayodan Mcleansville Mebane Midway Park Mill Spring Millers Creek Mills River Mint Hill Mocksville Moncure Monroe Montreat Mooresville Morehead City Morganton Morrisville Moyock Mt Airy Mt Gilead Mt Holly Mt Olive Mt Pleasant Murfreesboro Murphy Nags Head Nashville New Bern Newland Newport Newton Newton Grove Norlina North Wilkesboro Oak Island Oak Ridge Oakboro Ocean Isle Beach Ocracoke Old Fort Oriental Oxford Pembroke Pfafftown Pilot Mountain Pine Knoll Shores Pine Level Pinebluff Pinehurst Pinetops Pineville Pink Hill Pisgah Forest Pittsboro Plymouth Point Point Harbor Polkton Pope Field Powells Point Princeton Providence Raeford Raleigh Ramseur Randleman Rapids Red Springs Reidsville Research Triangle Rich Square Richfield Richlands Riegelwood Roanoke Rapids Robbins Robbinsville Robersonville Rockingham Rockwell Rocky Mount Rolesville Rose Hill Roseboro Rosman Rowland Roxboro Ruffin Rural Hall Rutherford College Rutherfordton Salemburg Salisbury Saluda Sandy Ridge Sanford Scotland Neck Seaboard Seagrove Selma Seven Lakes Shallotte Shelby Sherrills Ford Siler City Smithfield Sneads Ferry Snow Hill Southern Pines Southern Shores Southport Sparta Spindale Spring Hope Spring Lake Springs Spruce Pine St Pauls Stallings Stanfield Stanley Stantonsburg Star Statesville Stedman Stokes Stony Point Sugar Mountain Summerfield Sunset Beach Supply Surf City Swannanoa Swanquarter Swansboro Sylva Tabor City Tar Heel Tarboro Taylorsville Teachey Terrell Thomasville Traphill Trenton Troutman Troy Tryon Union Grove Valdese Vanceboro Vass Wadesboro Wagram Wake Forest Walkertown Wallace Walnut Cove Walstonburg Warrenton Warsaw Washington Waxhaw Waynesville Weaverville Weddington Wendell Wesley Chapel West End West Jefferson Whitakers Whiteville Whitsett Whittier Wilkesboro Williamston Wilmington Wilson Windsor Winnabow Winston Salem Winterville Winton Wrightsville Beach Yadkinville Yanceyville Youngsville Zebulon