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
Austin TX
Lender Service Area Map
Tap image
for larger interactive map.
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.
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
Tap
image for larger interactive map.
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 Non-Profit Services
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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- Borrow form $5000
- $150,000
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