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This page was last updated September 2018

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Fair Credit Lenders in Austin TX

Lenders: contact us for listing removal.

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Velocity Credit Union - 11th Street Branch
610 E 11th St, Austin, TX 78701
www.velocitycu.com
512.469.7000

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SouthStar Bank, Falconhead
3490 Ranch Rd 620 S, Austin, TX 78738
www.southstarbank.com
512.263.5900

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Austin Telco Federal Credit Union
8929 Shoal Creek Blvd, Austin, TX 78757
www.atfcu.org
512.302.5555

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Velocity Credit Union - South Lamar Branch
4220 S Lamar Blvd #100, Austin, TX 78704
www.velocitycu.com
512.469.7000

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Austin Capital Bank
8100 Shoal Creek Blvd, Austin, TX 78757
www.austincapitalbank.com
512.693.3600

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Texas Capital Bank - Austin (San Jacinto)
98 San Jacinto Blvd #150
Austin, TX 78701
www.texascapitalbank.com
512.305.4091

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Horizon Bank
600 Congress Ave #400
Austin, TX 78701
www.horizonbanktexas.com
512.637.5730

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Benchmark Bank
1901 N Lamar Boulevard
Austin, TX 78705
www.benchmarkbank.com
512.600.6400

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Lone Star Bank
10901 US-290, Austin, TX 78737
southstarbank.com
512.288.3322

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Velocity Credit Union - W Braker Lane
1201 W Braker Ln, Austin, TX 78758
www.velocitycu.com
512.469.7000

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Bad Credit Loan Form for Austin TX

Fast Loan Pre-App Method
Accessing Bad Credit Lender Pool (?)

Learn about GAP (Gift Angel Program)

 

Austin TX Lender Service Area Map

Austin Bad Credit Lenders Map - Initial Static Image

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Lender Lists for Other Texas Cities

Houston TX / San Antonio TX / Dallas TX / Fort Worth TX / El Paso TX /

Austin TX 5x5 Loan App Volume

Top 5 Austin neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated Monthly.

  1. Scenic Brook
  2. Barton Creek
  3. Windsor Hills
  4. Clarksville Historic District
  5. Old West Austin Historic District

Texas State Capitol Building in Austin Texas: Licensing/Credit

Loan for Medical Bills in Austin TX

Charles had a bad car accident exactly one year before he applied for this loan. He had fallen asleep at the wheel while commuting between Austin and Dallas.

He had been commuting for 5 years at the time of the accident. In his pre-app he detailed some the of the horrific times he went through at the time of the accident and his recovery.

He had burns, broken bones, broken hip, head injuries, and a collapsed lung. In short, he was touch and go for awhile - doctor gave him a 50/50 chance of survival. He had all the emotional support you could ask for, but financial support wasn't there.

He did have car insurance, but there was a cap on how much the insurance company would allocate for medical expenses.

By the time he left the hospital, and the insurance company paid "their share" as per "how they interpreted their policy", Charles still owed an additional $55,000 dollars. An amount he didn't have in savings.

He did have $5000 in savings but he was still short the $50,000 to the hospital and ambulance service. At least the insurance company did pay for the helicopter airlift to the hospital.

Below is the calculation on his loan approval.

• Loan Amount (principal) = $50,000
• Interest Rate = 7.34%
• Term Length = 10 years
• Monthly Payment = $589.34
• Total Paid Back = $70721.02
• Total Interest = $20721.02

So yeah - payments were reasonable for sure at close to $600 per month. He was given a desk job at work instead of his old job doing fence installations. His employer was very supportive during the whole ordeal.

For Charles' example we don't have the lender information because he didn't agree to let us publish it. We can say that it was a private lender based in Texas. We can also say that he had 4 different lenders contact him.

Now, as far as credit score goes, Charles had an average score of 690 a the time of his application. That's an average taken from his scores reported by Experian, Transunion, and Equifax.

If his credit score was really bad, there is no way he would have been offered a rate that low. But at least he was approved and he got the creditors of the phone and off his back.

At one time he said he was getting 2-3 phone calls a day from the hospital (we are leaving nameless) in an effort to get his payment made. It was a horrible stress to deal with right after he was learning to live and new life with his injuries.

He said he walks with a cane now and will never be the same physically. A huge blow for Charles, as he was an avid basketball player. He still an avid fan of the Austin Spurs though!

If you live in Austin 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 Austin TX

If you live in Austin 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 Austin TX

Austin Credit Counsellors Map - Initial Static Image

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Austin Credit Group
1030 Disraeli Cir, Pflugerville, TX 78660
www.austincreditgroup.com
512.697.9784

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Texas Best Credit Repair
9300 S IH 35 Frontage Rd, Austin, TX 78748
www.texasbestcreditrepair.com
512.308.6000

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Good Credit 4 Life
Barton Oaks Plaza One, 901 S MoPac Expy
Austin, TX 78746
www.goodcredit4life.com
512.645.2265

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Credit 360 Consulting
3409 Executive Center Dr #125 Austin, TX 78731
www.credit360consulting.com
512.827.9969

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Cornerstone Financial Education
2806 Flintrock Trace, Lakeway, TX 78738
www.csfedu.org
512.263.0532


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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Austin Assistance Programs

Food Bank: Central Texas Food Bank / Address: 6500 Metropolis Drive, Austin, TX 78744 / Phone: 512.282.2111

Hot/Cold Meals: Angel House Soup Kitchen / Address: 908 East Cesar Chavez Street, Austin, TX 78702 / Phone: 512.474.2666

Shelter In Case of Eviction: Front Steps / Address: 500 East 7th Street, Austin, TX 78701 / Phone: 512.305.4100

Social Assistance Programs: Travis County Health & Human Services / Address: 100 North Interstate 35 Frontage Road #2000, Austin, TX 78701 / Phone: 512.854.4100

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Usury and Regs. Governing Austin TX

Usury Law(s) for Austin 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 Austin 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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