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This page was last updated July 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Fair Credit Lenders in Dallas TX

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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

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Dallas TX Lender Service Area 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. See all Texas personal loan volume data.

  1. Five Mile Creek
  2. Near East
  3. Urbandale/Parkdale
  4. Love Field Area
  5. Winnetka Heights

$3000 Bad Credit Loan 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

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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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

  • 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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