Amarillo TX
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This page was last updated July 2018

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Fair Credit Lenders in Amarillo TX

Lenders: contact us for listing removal.

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Amarillo Community FCU
6100 I-40, Amarillo, TX 79106
www.acfcu.org
806.358.7561

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Access Community Credit Union
6401 Bell Street
Amarillo, TX 79109
www.accesscreditunion.com
806.353.9999

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The People's FCU
3601 SW 15th Avenue
Amarillo, TX 79102
www.tpfcu.com
806.359.8556

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People's Federal Credit Union
7200 Hillside Road
Amarillo, TX 79109
www.tpfcu.com
806.359.8571

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Education Credit Union
3615 SW 45th Avenue
Amarillo, TX 79109
www.educationcu.com
806.358.7777

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Texas Plains Federal Credit Union
804 S Madison Street
Amarillo, TX 79101
www.texasplainsfederal.org
806.373.6641

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Citizens Bank
4117 Georgia Street South
Amarillo, TX 79110
www.gocitizensbank.com
806.350.5600

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Herring Bank
2201 Civic Circle
Amarillo, TX 79109
www.herringbank.com
806.677.7000

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FirstBank Southwest
(at the Wolflin Banking Center)
2401 Georgia Street South
Amarillo, TX 79109
www.fbsw.com
806.355.9661

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Interstate Bank
5085 S Coulter Street
Amarillo, TX 79119
www.interstatebankssb.com
806.331.6000

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Chase Bank
600 S Tyler Street Suite #100
Amarillo, TX 79101
locator.chase.com
806.378.3100

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Bad Credit Loan Form for Amarillo TX

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Amarillo TX Lender Service Area Map

Lender Lists for Other Texas Cities

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Amarillo TX 5x5 Loan App Volume

Top 5 Amarillo neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated Monthly. See all Texas personal loan volume data.

  1. City View
  2. Georgia Shores
  3. Janae St
  4. San Jacinto
  5. Keystone

Loan to Avoid Eviction in Amarillo TX

Derek is facing eviction if he does not come up with enough money to pay the rent this month and catch up on last months rent as well.

He has an understanding landlord, however even he cannot let someone not pay their rent.

After all he has to pay for things like taxes, mortgage expenses, insurance etc. Derek lost his job last month and has not been able to find anything in the past four weeks.

He has not been looking too hard for work. He wanted to take some time off to relax and enjoy life a bit, but now he has found himself in a bit of a financial problem.

His savings have been spent, he is not working and he has little money left to buy food let alone pay the rent. How can he possibly be approved for a loan?

Most lenders, in fact all lenders will not approve a loan to someone in this situation.

Derek feels that if he could be approved for $2000, he would have enough to pay his rent, up to date and utilities until he can find a job.

He realizes that he needs to get focused on finding a job, any job at this point or risk being evicted from his current apartment. He might have to move back with his parents or in with a sister who lives in the area.

He is not very excited about either scenario and is now motivated to find a job quickly.

A $2000 loan with a one-year term and 8.5% interest rate for Derek would cost him the following per month:
• Loan Amount (principal) = $2000
• Interest Rate = 8.5%
• Term Length = 2 year
• Monthly Payment = $90.91
• Total Paid Back = $2181.87
• Total Interest = $181.87

While the monthly payment is not large, if you do not have any income, even a small loan with a small monthly payment is difficult to handle.

Derek finally landed a job that pays a little better than minimum wage. Now at least he has a job. He also took in a roommate to help him with the rent.

Between the two he will have enough money to pay his loan, his rent and utilities. He had to make some compromises, but desperate times call for desperate action.

Once he found his job, he reapplied for the loan and was approved. He quickly paid his landlord who is now satisfied that Derek is getting his act together and will be able to pay the rent each month.

He warned Derek that he has only put the eviction on hold at this point. If he is even a few days late, he will reinitiate the eviction process immediately.

While this sounds a bit hard, he wants to make sure that Derek understands that he needs to be serious about paying his rent and utilities.

Derek has been an excellent tenant with the exception if paying his rent on time. Perhaps this scare will help to ensure that Derek takes his debts more seriously.

This loan will help him to do also improve his credit score provided that he repays it on time.

If you live in Amarillo TX and you need a loan regardless of a bad credit rating we hope our website helps you in some way.

Sincerely,

Lance Somerset

Lance Somerset founded the We Find Lenders Pool. He writes for WFL on rare occasions just for the fun of it, and to stay current with the content on our website. His son Andy and daughter Chris handle most of the research and writing.

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Employment & Education Advancement Opportunities in Amarillo TX

If you live in Amarillo and you're struggling to make ends meet, you may want to consider these ideas.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Amarillo TX


Consumer Credit Counseling Services
6300 I-40 Frontage Road #106
Amarillo, TX 79106
806.358.2221

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T.R.W. Credit Services
112 SW 8th Avenue
Amarillo, TX 79101
www.trwcreditservices.com
806.355.2020

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Consolidated Credit Counseling
Amarillo, TX 79101
806.373.9526

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Transformance (Amarillo Branch)
1619 S Kentucky St, Suite A-506
Amarillo, TX 79102
www.transformanceusa.org
806.358.2221

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T.R.W. Credit Services
5716 Nicholas Drive
Amarillo, TX 79109
www.trwcreditservices.com
806.355.2020

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Usury and Regs. Governing Amarillo TX

Usury Law(s) pertaining to Amarillo TX / Legal: 6% Contract: Limit is calculated as per the median (avg.) twenty-six month United States T-Bill amounts times two. However, it can't be lower than eighteen percent or over twenty-four percent. Judgment: calculated as per the fifty-two week T-Bill but never less than five percent or higher than twenty percent. Complete usury law for Texas see §306 and §303 / for Texas residents with bad credit or fair credit who want to submit a loan application

If you believe any Amarillo Texas based lender is using predatory lending tactics, you can file a complaint:

Texas Department of Savings and Mortgage and Lending / Physical mailing address is 2601 N. Lamar, Suite #201, Austin, TX 78705 / Toll free: 1-877-276-5550 / Fax: 512-936-2003 / Online complaint form
/ See full list of ways to file a complaint against a lender in Texas

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WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
  • Applying does not worsen your credit score
  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
  • Lenders who provide bad credit consolidation
  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

 

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