Two years ago when I went searching for a loan, my credit was less than good. The Lian officer I…read morehappened to speak with gave me her assurance she could assist me. Needless to say Rasheeda was able to get my request for a loan approved. The interest rate was a little too high for my liking but I needed the funds. Out of two years, I had one late payment due to a miscalculation but I was offered a payment deferment and late fee waiver. So instead of the loan being paid off September of 2017 it'd be October of 2017. I worked super hard too get the loan paid off so my budget could loosen some. I even reapplied for a debt Consolidation loan and was requested I needed a cosigner because my income dropped 272.00. I was told the cosigner as ling as their income was verified and not an abundance of late payments I could use him. I felt as if I was jumping thru hoops. I did get a cosigner and he was approved, I received the call about how the monies would be disbursed and when. So I'm thinking ok I can breathe only to be told that my cosigner had to be a resident of my address. I said I wasn't told that and if I had a cosigner in my home I wouldn't need a cosigner. So I was declined the loan. Pissed is an understatement. My on time payments over the past 2 years meant nothing. I was so disappointed I reached out to my original loan officer Rasheeda she'd moved to an office outside of Fayetteville, NC. She still processed to do her due diligence to help me. She educated me that the young lady that was assisting me was new and wasn't aware of all policies. I paid the loan off on time in October. I checked online to make sure it had a zero balance to find out I had 19.19 left. So I paid it online. I checked a few days later to find a balance of 5.19 left for an NSF fee. I paid it. My gut instinct said to contact the branch manager. He advised me that he'd do a write off of the 5.19. I was told it wouldn't affect my credit score and he'd send me a paid off agreement in the mail but I could pick it up. I said he could mail it. 48 hours later and my mail person had run and no agreement. So I'm calling this branch again for an explanation or I'll just pick it up only to be told that I had a 15 day hold because I didn't pay it off with guaranteed payment a money order or cash I could verify that the monies were taken from my bank account. I'm livid! The branch manager failed to advise me of that when I made that final payment? I was already pissed about the fee I wasn't advised of and now this. The customer service and lack of knowledge of the services had my blood pressure high for a week at least. Well My agreement release date is the 21st of October. I'm waiting but I am so disappointed in the services here. Rasheeda was located at the Whiteville office last I spoke with her but I wouldn't recommend this branch, Fayetteville.My final payment at this office has left me with an overall bad experience. This location made the overall services appear shady. Proceed with Caution. I forgot to mention I made that final payment on October 3rd and it's now October 15th.

I am extremely disappointed with my experience at this institution. I applied for a loan and was…read moreinitially told that I had been approved. However, after I went to the office, I was informed that they could not provide the loan because two of my summer payments were lower than usual. I explained that I am a teacher who receives a salary throughout the entire year, including the summer. Those two payments were temporarily lower because I had been sick during the school year; they did not represent a permanent reduction in my regular salary. Unfortunately, the staff did not properly consider or verify my explanation. What makes the situation even more frustrating is that they had already made a hard inquiry on my credit report. I had also paid off a previous loan with this institution just one week earlier, demonstrating my reliability and positive payment history. They should have reviewed and clarified my income situation before approving the application and affecting my credit score. My advice to other applicants is to bring your recent pay stubs and ask the institution to verify your income before allowing it to make a hard inquiry on your credit report. This experience was frustrating, inconvenient, and handled poorly.

On 5/6/2026, I went to Mariner Finance after receiving a pre-approved live check offer for a $2,545…read moreloan with a disclosed APR of 34.03% and a $30 processing fee. I scheduled an appointment with Antonia Cummings to see if I qualified for additional funds. From the beginning, the experience felt extremely unprofessional and deceptive. I was placed alone in an office while Antonia repeatedly ran back and forth between my office and her desk asking for additional documentation and personal information, including my Social Security card. After some time, Antonia informed me I did not qualify for additional funds. When she began processing the loan documents, a warning box appeared on the screen stating the APR could not exceed 32.99%. Antonia immediately commented that my APR was "better than we thought" and called in another employee she identified as assistant manager Kimberley. Kimberley read the warning message herself and stated, "You have to play with the numbers to get it to work." I then heard her repeatedly lowering percentages from 34% while attempting to manipulate the system into accepting the loan terms. What made this even more concerning is that the original pre-approved check listed the APR as 34.03%, but the final contract they presented to me showed the APR as 34.04%, which was actually HIGHER than the pre-approved offer. This directly contradicted the statements made by both employees implying the APR had supposedly improved after the computer warning appeared stating it could not exceed 32.99%. Instead of correcting the issue after the system flagged the APR, they proceeded with the paperwork while avoiding direct answers about why the warning appeared in the first place. When the paper contract was printed, I noticed the APR still did not reflect the 32.99% discussed on the computer screen. When I questioned this, Kimberley suddenly denied the conversation ever happened and acted as if neither she nor Antonia had mentioned it. After I continued questioning the discrepancy, she pointed to the simple interest percentage at the bottom of the contract and attempted to redirect the conversation instead of explaining why the system warning was ignored. Things became even more concerning when I carefully reviewed the contract and noticed the finance charge, amount financed, and total payments were significantly different from the pre-approved offer I originally received. That is when I discovered Antonia had added property insurance and an "Auto Plus" product without my knowledge or consent. When I asked why property insurance had been added, Antonia claimed the loan required collateral and showed me a list containing items I DO NOT OWN, including a 17" MacBook, a 55" smart TV, and a 75" smart TV. I never provided those items because they are not mine. I was shocked that false collateral information was added to my loan paperwork. I also never requested Auto Plus coverage, and I only became aware of it because I thoroughly reviewed the contract before signing. Had I not caught these add-ons, I would have ended up paying nearly $1,700 more for products I never asked for. When I confronted them, the atmosphere immediately became awkward because it was obvious they had been caught attempting to slip additional charges into my loan. Antonia then sarcastically responded, "Well dang, you don't want any products." At that point I felt embarrassed, manipulated, pressured, and completely taken advantage of. I requested all unauthorized add-ons be removed immediately. Although the products were eventually removed, the APR discrepancy and system warning were never properly addressed. Consumers should thoroughly read every single line before signing anything with this company. My experience left me feeling misled and deeply uncomfortable, and I will be filing formal complaints regarding these practices.

Absolutely horrible customer service, and customer service representative are unprofessional and…read morejust plain ghetto. They will lie to you and use dirty tactics to get you into their office just to switch up the loan process. Stay far away.

I just recently purchased a condo. I have been using the NC State Employees Credit Union since…read moreabout 1979 started in Raleigh and now in Fayetteville. I truly feel that this is my bank. I worked with Jeremy Irving and Rashad Johnson. I don't believe they were even born with I joined the Credit Union. I felt like my sons were looking out for me. Being the Baby Bomer that I am, they were patient without being condescending and helpful in guiding me through the process. I highly recommend the NC State Employees Credit Unit not only for home purchases but cars and just personal services. DPF in Fayetteville, NC

I've been going to this branch since October 2019 and I have never had any problems. I've seen all…read morethe bad reviews and I had to offer my take and tell anyone that this is a good branch, and their customer service is top notch. If I had any problems, I wouldn't come back but since they know what they're doing I keep coming back and so should you.