Lenders: contact
us for listing removal.
Resource
One Credit Union
1200 Belleview St, Dallas, TX 75215
www.r1cu.org
800.375.3674
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Credit Union of Texas
3305 Ross Ave, Dallas, TX 75204
cutx.org
972.263.9497
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Dallas Credit Union
4245 N Central Expy #100, Dallas, TX 75205
dallascu.org
214.748.5166
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Dallas Federal Credit Union
1301 Young St #100, Dallas, TX 75202
www.dallascu.org
214.748.5166
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Veritex Bank
2101 Abrams Rd, Dallas, TX 75214
www.veritexbank.com
214.269.2100
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Wells Fargo Bank
2611 Cedar Springs Rd, Dallas, TX 75201
www.wellsfargo.com
214.758.1100
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Inwood National Bank
7621 Inwood Rd, Dallas, TX 75209
www.inwoodbank.com
214.358.5281
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North Dallas Bank & Trust Co
12900 Preston Rd, Dallas, TX 75230
www.ndbt.com
972.387.1300
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Bad Credit
Loan Form for Dallas TX
Dallas TX
Lender Service Area Map
Tap image
for larger interactive map.
Lender Lists for Other
Texas Cities
Houston
TX / San
Antonio TX / Austin
TX / Fort
Worth TX / El
Paso TX
Dallas TX
5x5 Loan App Volume
Top 5 Dallas neighborhoods
for loan application volume in the last 5
months.
Source: WFL
Lender Pool. Updated
Monthly.
Bad Credit Loan Example In Dallas TX
George and his family have been living from pay check
to pay check. Both he and his wife work at a cleaning company cleaning
office buildings in the evenings after everyone has gone home.
They make minimum wage and support an elderly parent
as well who live with them. If life was not already difficult enough
for them, George’s wife had a fall at work and needed hospital
care for a couple of days. She badly sprained her wrist and is wearing
a cast until it properly heals.
Never the less she is back at work. They just cannot afford to lose
the income and must keep working. With the hospital and doctor bills
along with losing a weeks work they decided to turn to a pay day loan
service to cover these costs and to pay the rent.
They felt they had no choice at the time. Apparently they did not realize
just how expensive a pay day loan can be with the interest and fees
that are charged. The loans are due next week and they desperately want
to find another solution. They cannot pay the total loan off so will
have to renew again, this time a smaller amount. They have been stressed
out over this loan for the past week.
George needs $3000 and can handle a low monthly payment even with his
bad credit rating. The interest rate he pays will be higher than someone
with excellent credit, however it is much better than a payday loan.
He was able to qualify for a loan and will be able to repay the pay
day loan in full and a couple of days early.
A $3000 personal loan with a five-year term and 9% interest rate for
George cost him the following per month:
• Loan Amount (principal) = $3000
• Interest Rate = 9%
• Term Length = 5 year
• Monthly Payment = $62.28
• Total Paid Back = $3736.50
• Total Interest = $736.50
Now that they have got the loan situation under control, he and his
wife can focus on working and earning enough money to repay this loan
and perhaps save a little bit.
They are great people, they work hard and they are taking care of their
one parent still left alive. Georges father helps around the house and
prepares all of the meals for them. He keeps the house clean and tries
to help any way he can.
Within a year he will be eligible for Medicare and old age assistance.
This will help the family immensely providing more income and also help
pay for some of the medication that he needs.
Although life is now a lot more stable, both George and his wife have
learned a tough lesson. They realize they need to find better paying
jobs and they need to set aside some money to pay for emergencies whenever
they occur.
On their income, it is difficult to do, but they plan to tighten their
belts a little bit more and begin saving something for the next time
an emergency comes along. George just made his first payment on his
new loan and life is finally looking better for the family.
If you live in Dallas 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 Dallas TX
If you live in Dallas and you're struggling
with making ends meet, you may consider advancing your education and/or
finding a higher paying job. We've provided some links here to help
with that.
Job Upgrade: Indeed
/ Monster
Education Advancement:
College / University
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Credit Counseling
In Dallas TX
Tap image
for larger interactive map.
Transformance
8737 King George Dr #200, Dallas, TX 75235
www.transformanceusa.org
214.638.2227
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American Consumer Credit Counseling
1717 McKinney Ave #700, Dallas, TX 75202
www.consumercredit.com
214.593.6421
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Ramos Law Firm
2205 N Henderson Ave c, Dallas, TX 75206
www.txclf.com
214.736.3845
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Texas Best Credit Repair
6060 N Central Expy #565, Dallas, TX 75206
www.texasbestcreditrepair.com
972.791.8227
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Federal Resources
FTC
Budget PDF / USA.GOV
Debt Info
Dallas Non-Profit Services
Food Bank: North Texas
Food Bank / Address: 3677 Mapleshade Lane, Plano, TX 75075 / Phone: 214.330.1396
Hot/Cold Meals: The Stewpot
/ Address: 1835 Young Street, Dallas, TX 75201 / Phone: 214.746.2785
Shelter In Case of Eviction:
The Bridge Homeless Recovery Center / Address: 1818 Corsicana Street,
Dallas, TX 75201 / Phone: 214.670.1100
Social Assistance Programs:
Dallas County Welfare Division / Address: 2377
North Stemmons Freeway, Dallas, TX 75207 / Phone: 214.819.1800
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Usury and
Regs. Governing Dallas TX
Usury Law(s) for Dallas 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 Dallas 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
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below FICO 650
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application
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low as 7% (cs)
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- Borrow form $5000 - $150,000
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