Loans Built on
70+ Years of Trust
Cape Fear Finance Company has been a trusted neighbor in Fayetteville for over 70 years. We offer honest installment loans from $100 to $3,000 — no gimmicks, no surprises, just straightforward lending from people who care.
Loans from $100 – $3,000 · Credit-building installment loans · 118 Gillespie Street, Fayetteville NC
Starter Loans
Perfect for unexpected expenses or starting your credit journey with manageable monthly payments.
Mid-Range Loans
Handle bigger bills, car repairs, or emergencies with a structured loan and clear repayment terms.
Credit-Building Loans
Establish or rebuild your credit history with a structured installment loan reported to credit bureaus.
Installment Structure
Every loan comes with fixed monthly payments — no balloon payments, no hidden fees, no surprises.
Online lenders and large chain companies can't offer what we can — a real relationship with a local lender who has been part of this community for over 70 years. We know our customers by name, not by a case number.
| Feature | Cape Fear Finance | Online / Chain Lenders |
|---|---|---|
| Builds credit history | Yes | Often no |
| Fixed monthly payments | Yes | Variable fees |
| Local Fayetteville lender | 70+ years | Corporate chains |
| No hidden fees | Yes | Read the fine print |
| Talk to a real person | Always | Automated systems |
Apply Online or Call
Fill out our simple form or call us at 910-483-6010 — it only takes a few minutes.
We Review & Contact You
Our local team reviews your application and reaches out to discuss your options personally.
Visit Our Office
Stop by 118 Gillespie Street to finalize your loan — we'll walk you through every detail.
Get Your Funds
Receive your money and start building your credit with fixed monthly payments you can count on.
Ready to Get Started?
Over 70 years of honest lending in Fayetteville. Apply online in minutes or give us a call — we'd love to help.